1. What is UPI?

Unified Payment Interface (UPI) is a smartphone enabled fund transfer for

participating bank customers to pay/ receive money using a unique UPI ID
2. How long does it take for the money to get credited into the beneficiary
account?
For successful transactions, funds get credited into the beneficiary's account
instantaneously.
3. Do I need to register for UPI facility?
Yes, you can register for UPI through the our Banking MobileBanking App available
on Google Playstore & iOS.
4. What is UPI ID?
UPI ID is an id which is uniquely linked to your bank account and can be used to
send or receive payments through UPI.
For e.g. abc@ourbank where "abc" can be your mobile number.
5. Can I register for UPI without seeding my mobile no. in the bank account?
No, UPI ID are linked to your registered mobile no. in the bank account.
6. Can I send money to someone who is not registered on UPI?
Yes. Payment can be made via IFSC/ Account number or MMID/ Mobile number of the
beneficiary.
7. What is the current limit for sending money through UPI?
The maximum limit of P2P UPI transaction is Rs 1 lakh or 20 transactions per bank
account within 24 hours basis.
Please note: For 1st time UPI users, transaction limit is up to Rs 5000 within 24
hours from 1st UPI transaction.

8. Can I apply for an IPO using UPI ID of our Mobile Banking App (eg: abc@ourbank)?
No. Currently IPO application using our Mobile Banking App (eg: abc@ourbank)? is
not supported, however you can apply IPO via our partner app Google Pay by linking
our Bank account.
9. How can I apply in IPO via UPI?
* Register on Google Pay & link your our Bank Account with okourbank handle
* Enter your UPI ID in the IPO application form and submit it
* Approve the notification in the Google pay app to block the amount for IPO
* On allotment of the shares, the money is automatically debited from this blocked
amount

10. How can I set a default bank account to pay or receive money via UPI?
Go to ‘BHIM our Bank’ >> Click on ‘Add Account’ >> Select Bank account
Please note: the last account added by the customer will become the default account
for pay/ receive money.
11. Where can I see my UPI transactions?
You can view your past transactions under the ‘Transaction History’ tab under ‘UPI
Payments’. This will also reflect in NetBanking & Bank Statement.
12. Are there any charges for UPI transactions?
Click here to know about UPI charges
13. Can I put a stop payment request for funds transferred by UPI?
No, once payment is initiated, it cannot be stopped.
14. How can I raise a dispute for a particular UPI transaction?
You can go to ‘Transaction History’ and click on ‘Raise Dispute’ option & select
the dispute type
15. Can I transfer money abroad using UPI?
No, you cannot transfer money abroad through this option
16. Can I link my NRE/NRO Account under UPI?
Yes, you can link the NRE/NRO account on UPI however the registered mobile number
must be from an Indian service provider & without the prefix 91.
17. Can I de-active/ de-register from UPI?
our Bank customers can Go to the ‘UPI Payments’ option in their MobileBanking App >
Click on ‘View Profile’ > Click on ‘De-register’
Please note : Once the UPI ID is de-registered the same UPI ID cannot be retrieved
or re-used.
18. If the transaction has failed due to technical reasons either at the Bank’s or
NPCI’s end will I get any compensation in the form of Loss of Interest?
No. If the transaction has failed / timed out / declined due to technical reasons,
Bank shall not bear any liability to compensate the same in the form of interest or
actual amount sent to the Beneficiary.
19. I am getting Validation Error while registering UPI on our Bank Mobile Banking
App
As per the NPCI directives, UPI registration needs to be completed within 30
seconds. Validation error is received if it takes more than 30 seconds to register.
Hence we request you to complete entire registration process within 30 seconds.
As an alternative, you can also use following Apps from Google Play store/App store
which are powered by our Bank:
* Google Pay (handle – okourbank)
* Mobikwik (handle – ikwik)
* Whtasapp pay (handle - waourbank)
20. I am getting ‘Technical Error Occurred’ in our Bank Mobile banking app.
Currently our Mobile Banking App is not supporting UPI registration for Android
phone users having Mobile Phone’s Operating System as Version 10. As an
alternative, you can also use following Apps from Google Play store/App store which
are powered by our Bank:
* Google Pay (handle – okourbank)
* Mobikwik (handle – ikwik)
* Whtasapp pay (handle - waourbank)
21. I am not able to use UPI services post updating Mobile number
Post mobile number updation, please reset UPI PIN from the registered mobile number
using the last 6 digits of the Debit Card, Expiry, Debit Card Pin & OTP on any UPI
App of his choice. Reset UPI Pin will be available on UPI enabled 3rd party apps
under Forgot UPI Pin option.
Eg:- For Google Pay:

On Android:
1. Click on the right hand top profile option
2. Click on the account from which the payment is to be made.
3. Again click on the account from which the payment is to be made.
4. Click Forgot UPI Pin
5. Enter last 6 digits of the linked debit card & expiry
6. Enter OTP & Debit Card Pin
7. Choose 4 digit UPI Pin > Confirm UPI Pin.

On iOS (iPhone)
1. Click on the left hand top profile option
2. Click on the account under Bank accounts
3. Again click on the account
4. Click on Forgot UPI Pin
5. Enter last 6 digits of the linked debit card & expiry
6. Enter OTP & Debit Card Pin
7. Choose 4 digit UPI Pin > Confirm UPI Pin.
22. I am getting ‘Error - Transaction Limit Exceeded’:
The maximum limit of UPI transaction is Rs 1 lakh or 20 transactions per bank
account within 24 hours.
Please note: New UPI users of each UPI enabled App or users who have changed their
device / sim card / mobile number can transact only upto Rs 5,000/- for the first
24 hours on Android phone & 72 hours for iPhone users.
23. Can I link my current (Non- Individual) account in UPI.
UPI in non-individual current account is not allowed via App mode i.e. via Google
Pay, BHIM, Mobikwik etc. Please enabled UPI services via merchant onboarding
process.

24. I am able to receive money via UPI but not able to send money.
Please check if you have blocked UPI services in the past due to Fraud/suspected
fraud, if yes, please approach to nearest branch for UPI Unblocking.

25. What should I do to avoid frauds on my UPI account?

Do not share your personal details to received money or to claim rewards of any
amount.

26. What is considered as sharing personal information

Following actions done while receiving money/reward/cashback are considered as
sharing of personal information.
* Sharing / Inputting your PIN/OTP
* Scanning the QR code
* Clicking on random SMS link sent for receiving money/reward/cashback
* Giving remote access of your phone to anyone
* Accepting the collect request by Inputting PIN

27. What is Request money option?

Request Money is used to request money from opposite party. Accepting a request
money request means you are accepting the request to pay the opposite party. So if
you put validate the request by putting your PIN, it will debit the money from your
account.
28. My UPI transaction was declined because of an incorrect UPI PIN.
Your UPI PIN is a unique number you set while registering for the UPI App post
adding your bank account. Please remember this number, as you will need to enter it
whenever you have to make any debit UPI transaction. If you enter the incorrect UPI
PIN, the transaction will be declined.
29. My UPI transaction declined because of an Insufficient balance
If you try to debit an amount more than the balance in your bank account, your UPI
transaction will be declined because you don't have enough money. You can check
your account balance before doing any debit transaction, to avoid hindrance of
transaction getting declined
30. What will happen if I put the wrong beneficiary details while making a UPI
transaction?
Suppose you enter incorrect beneficiary details and validate the transaction with
your UPI PIN; the transaction will go through if the beneficiary account is active.
Always check and verify the beneficiary details before validating UPI PIN for any
debit UPI transaction.
31. I have Exceeded the maximum number of incorrect Pin Tries.
Every customer gets 3 attempts to input the correct UPI PIN. If you enter the wrong
UPI PIN three consecutive times, your account will get blocked for next 24 hours
for any debit UPI transactions. However, credit transactions can still happen. You
can reset your UPI PIN immediately to continue to perform debit UPI transactions OR
if UPI PIN not reset then after 24 hours, you will be able to do debit transaction
using old UPI PIN
32. What do I do when my UPI transaction has failed but my bank account has been
debited?
If money has been debited, wait for some time; it should be reversed in 24-48 hrs.
If not reversed, then you may reach out to your issuing bank.
33. How will I know if the UPI ID provided by the receiver is correct?
UPI ID, when entered by the customer on any app, gets verified, and you get to see
the customer name "xxxx". With this, you can verify if you are sending money to the
correct person or not.
34. Who is eligible for using UPI?
Anyone with an active Bank A/c, linked mobile number and an active Debit card or
Credit card, can use UPI.
35. If I delete/uninstall our Mobile Banking from my phone by mistake, will I have
to register again?
If you have just deleted/ uninstalled the app, then you have to do the device-
binding again to get your UPI ID.
36. What if I change my mobile handset and want to use UPI on the new device with
the same number?
You have to re-register for UPI on that device with a mobile number (same or
different).
37. How many accounts can be added to receive money?
There is no limit to the addition of bank A/Cs in UPI.
How to register to UPI
Google Pay
1. Download Google Pay App on his smartphone from Playstore
2. Enter his mobile number & click next
3. Wait for the phone to read the OTP sent by Google Pay.
4. Set App Pin
5. Click New Payment & select our Bank.
6. Select your Bank Account & keep the Debit card handy
7. Enter Debit card last 6 digits, debit card pin followed by an OTP & debit card
pin of the street vendor. Now set the 4 digit UPI Pin
WhatsApp
1. Go to WhatsApp
2. Click on options
3. Select Payments
4. Add payment method
5. Accept Terms and condition
6. Select our Bank account
7. Verify Via SMS and Phone Number
8. Set Up complete
BHIM
1. Download BHIM App
2. Select the preferred Language
3. Verify the phone number
4. Set up a PIN
5. Select our Bank Account and get started
How to get your UPI QR Code?

our Mobile Banking App

1. Login to our Mobile Banking App
2. Click on Scan & Pay
3. Click on Receive
4. Click on Generate QR Code after entering the Amount and Remarks
Google Pay
1. Login to google pay
2. Click on your profile on top right of the screen
3. Click on your profile
4. Swipe Left to get your QR code
WhatsApp
1. Click on Options on WhatsApp
2. Click on Payments
3. Click on your profile to see your QR
BHIM
1. Login to BHIM
2. Click on your profile on bottom of the screen to get your QR
IMPS
1. What is IMPS?
IMPS(Immediate Payment Service) is a fund transfer facility where you can send or
receive money instantly 24 X 7, 365 days.
2. What is MMID?
Mobile Money Identification Number (MMID) is a seven-digit number of which the
first four digits are the unique identification number of the bank offering IMPS.
The MMID and registered Mobile number are required to be shared with the Remitter
to receive funds in the account.
3. How can I generate MMID?
Net Banking or logon to m.ourbank.com from mobile internet browser
* Login to NetBanking, and click on Generate MMID transaction in left menu, under
Request section
* Enter the details and Confirm
* MMID is generated for your account
OR
Mobile Banking
* Login to MobileBanking App
* Click on accounts section
* Click on Generate MMID
OR
Phone Banking
* Call PhoneBanking number of your region
* Select Language
* Select 1 for Banking
* Select 6 to talk to agent to register for IMPS and generation of MMID
* Request for IMPS registration will be taken and MMID will be sent to your Mobile
number by next working day
4. How do I send money through IMPS from NetBanking using Mobile Number & MMID?
* Log into our Bank NetBanking using your Customer ID and Password
* Click on "Funds Transfer" Tab
* Click on IMPS Funds transfer using account number, enter the details, and confirm
the transaction.
* You will receive the confirmation sms for IMPS transaction
OR
* Login to NetBanking and Click on "Funds Transfer" Tab
* Click on IMPS Funds transfer using Mobile number, enter the details, and confirm
the transaction.
* You will receive the confirmation sms for IMPS transaction
5. How do I send money through IMPS from Mobile Banking using Account Number &
ISFC?
Android and Iphone App
* Logon to MobileBanking
* Go to Pay -> Money Tranfer Tab
* Click on Transfer Money to Anyone, Anywhere
* Select added payee or Select Transfer using MMID
* Fill the required details i.e. Amount and Remarks or Beneficiary Mobile Number,
Beneficiary MMID, Amount and Remark and confirm
* You will receive the confirmation sms for IMPS transaction
6. How do I add a Beneficiary for IMPS?
For IMPS you will need to begin by adding a beneficiary. Then you can go on to make
a funds transfer.
For online transaction, both the NetBanking and Third Party Funds Transfer
facilities should be enabled. (If you’re not yet registered, just fill the form at
your closest our Bank branch).
Steps to add a IMPS beneficiary-
Step 1 - Log into our Bank NetBanking/MobileBanking using your Customer ID and
Password
Step 2 - Click on Funds Transfer tab
Step 3 - Click ‘Add a Beneficiary’ under Request tab, and then select Beneficiary
Type 'Transfer to other bank'
Step 4 - Fill in the details(Account No. & IFSC or Mobile No. & MMID)
Step 5 - Click ‘Add’, then ‘Confirm’
Step 6 – Authenticate yourself at the secure access step, and wait for your
confirmation message

Note:
* Beneficiary will get added in 30 minutes. Post addition, you can transfer money
to any IMPS registered beneficiary as per the limits mentioned below:
* Rs 50,000 in first 24 hours (Post that, the Third Party Transfer limits will
apply)
* IMPS using MMID, Rs 5000 per day per Cust ID (on either of the channel Net
Banking or Mobile Banking)

7. What are the timings for initiating and receiving IMPS transfers?
Please click here to view the timings for IMPS transaction
8. How long does it take for the remittance to get credited into the beneficiary
account number?
The funds are credited to the beneficiary immediately.
9. Does the customer need to register to remit funds through IMPS using Mobile
Number and MMID?
Yes. Customer needs to register for Mobile Banking for remitting funds through IMPS
using Mobile Number and MMID.
10. What happens in case the remitter enters wrong beneficiary details for
remittance?
If the beneficiary details required for making a remittance (such as MMID, mobile
number) are wrong, there is a very high possibility of the transaction getting
rejected. If you are remitting money using account number, please check the account
number as amount will be credited on the basis of account number only.
11. In case of a transaction failure in IMPS, by when will the funds be reversed in
customers account?
If the status of the transaction is shown as not available/pending, as per NPCI
guidelines request you to wait for 2 days for reversal of funds in your account or
credit to beneficiary's account. In case of non-receipt of funds after 2 days,
please call or write to us with the following details:
* RRN (Transaction Reference Number)
* Date of transaction
* Amount of transaction
* Remitter Bank Name
* Beneficiary Bank Name

12. Can a customer remit and / or receive remittance using the mobile number other
than the one registered with the bank?
The customer can remit and / or receive funds using the registered mobile number
only. In case he / she needs to remit / receive funds using the other mobile
number, he / she will have to approach the bank and complete the process of
changing the registered mobile number for mobile banking.
13. Which are the participating banks on IMPS funds transfer using Mobile number
and MMID?
The banks offering IMPS facility using Mobile Number and MMID is available on
https://www.npci.org.in/what-we-do/imps/live-members
14. Which are the participating banks on IMPS funds transfer using Account Number
and IFSC?
Banks live on IMPS funds transfer using Account Number and IFSC are updated on
https://www.npci.org.in/what-we-do/imps/live-members
15. What happens if a customer transfers funds using IMPS to a Bank account
belonging to a Bank that is not enabled for IMPS Funds Transfer?
Transactions to non-IMPS enabled Banks will be rejected and the funds will not be
debited from the customer's account.
16. Can I generate MMID if I have an NRE/NRO account?
No, MMID generation is only allowed for Resident Accounts.
17. Is this facility available for NRI customers?
Yes, NRI customers can transfer funds from their NRI account to a resident account
using IMPS.

18. Is the beneficiary also required to register for IMPS?

Only for IMPS using Mobile Number and MMID. Your beneficiary (either an our Bank
customer or another Bank’s customer) has to have his/her mobile number registered
with his/her respective bank in which the account is hosted. Your beneficiary
should also have a valid 7 digit MMID provided by his/her bank. Just as you have,
your beneficiary will also have a unique MMID for each bank account linked to
his/her mobile number.
19. Where can I see the summary or status of all the IMPS transactions that has
been done by me?
You can view the summary through Net Banking and Mobile Banking
NetBanking
* Login to NetBanking, and Click on "Funds Transfer" Tab
* Click on “View IMPS Funds transfer” in the Enquire section, and Input Reference
number or Specify date to search your transaction and press ok
* System will display the list of IMPS transaction. Click on the reference number
of the transaction to check the status of the transaction
MobileBanking (Android and Iphone App)
* Logon to MobileBanking
* Click on Money Transfer Tab
* Under History, IMPS transaction details along with Status will be reflected.
* Click on Status for transaction details
(Note : History includes transfer details of last 7days)
20. If the transaction has failed due to technical reasons either at the Bank’s or
NPCI’s end will I get any compensation in the form of Loss of Interest?
No. If the transaction has failed / timed out / declined due to technical reasons,
Bank shall not bear any liability to compensate the same in the form of interest or
actual amount sent to the Beneficiary.
21. What are the Fees & Charges for IMPS transactions?
Please click here to view all the fees and charges for the IMPS transaction
22. How to send money using IMPS?
You can transfer funds through IMPS using Mobile Number & MMID and Account Number &
IFSC.
23. Do I need to register for mobile banking to transfer funds through IMPS using
Mobile Number & MMID?
Registration to MB is not mandatory for transfer fund using Mobile Number & MMID.
You can generate MMID from Net Banking and same can be further used for IMPS fund
transfer.
24. Can I transfer or receive funds using the mobile number other than the
registered mobile number with the bank?
No. You can transfer or receive funds using the registered mobile number only.
25. Can NR customers generate MMID?
No. MMID generation facility is only allowed for Resident customers.
26. Does beneficiary also require to generate and register MMID for IMPS fund
transfer using Mobile & MMID?
Yes. Your beneficiary (either an our Bank customer or another Bank’s customer) has
to have mobile number registered with respective bank in which the account is
hosted. Your beneficiary should also have a valid 7 digit MMID provided by the
respective bank. Just as you have, your beneficiary will also have a unique MMID
for each bank account linked to the mobile number.
27. How do I send money through IMPS from MobileBanking using Mobile Number & MMID?
* Login to MobileBanking.
* Go to "Funds Transfer" Tab.
* Click on "IMPS" button
* Fill the details (i.e. Beneficiary Mobile Number, Beneficiary MMID, Amount and
Remarks) and confirm.
* You will receive the confirmation SMS for IMPS transaction.
28. What is the maximum amount that I can transfer through IMPS?
Please click here to view the Limit for IMPS transaction:
29. Can I transfer any amount after adding the beneficiary?
* For transfer using Account & IFSC, a maximum of Rs. 50,000 (in full or parts) can
be transferred by IMPS to a newly added beneficiary, in the first 24 hours.
* Post 24hours, Maximum limit per transaction - Rs 5 lakhs
* Maximum amount in a day as per the TPT limits
30. How much time does it take for an IMPS transaction to get credited?
The funds are credited to the beneficiary immediately.
31. What happens in case the remitter enters wrong beneficiary details?
* If the beneficiary details required for making a transaction (such as MMID,
mobile number) are wrong, there is a high possibility of the transaction getting
rejected.
* If you are transferring money using account number, please check with beneficiary
as amount will be credited on the basis of account number only.
* In case of non credit, request you to contact branch with all the details &
beneficiary bank account statement.
32. In case of a transaction failure in IMPS, by when will the funds be reversed in
customers account?
If the status of the transaction is shown as not available/pending, as per NPCI
guidelines request you to wait for 2 days for reversal of funds in your account or
credit to beneficiary's account.
In case of non-receipt of funds after 2 days, please call or write to us with the
following details:
* RRN (Transaction Reference Number)
* Date of transaction
* Amount of transaction
* Remitter Bank Name
* Beneficiary Bank Name
33. What happens if I transfer funds using IMPS to a Bank account belongs to a Bank
that is not enabled for IMPS Funds Transfer?
Transactions to non-IMPS enabled Banks will be rejected and the funds will not be
debited from your account.
34. How do I send money through IMPS from NetBanking using Account Number & ISFC?
* Log into our Bank NetBanking using your Customer ID and Password
* Click on "Funds Transfer" Tab
* Click on IMPS Funds transfer using account number, enter the details, and confirm
the transaction.
* You will receive the confirmation sms for IMPS transaction
OR
* Login to NetBanking and Click on "Funds Transfer" Tab
* Click on IMPS Funds transfer using Mobile number, enter the details, and confirm
the transaction.
* You will receive the confirmation sms for IMPS transaction
RTGS
1. What is the process of RTGS Funds Transfer?
For RTGS you will need to begin by adding a beneficiary. Then you can go on to make
a funds transfer.
For online transaction, both the NetBanking and Third Party Funds Transfer
facilities should be enabled. (If you’re not yet registered, just fill the form at
your closest our Bank branch).
Steps to add beneficiary for RTGS-
Step 1 - Log into our Bank NetBanking using your Customer ID and Password
Step 2 – Go to Funds Transfer tab
Step 3 - Click ‘Add a Beneficiary’, and then select Beneficiary Type 'Transfer to
other bank'
Step 4 – Enter the beneficiary account details or Credit card number
Step 5 – Select the Beneficiary’s IFSC, using the bank and branch name
Step 6 – Click ‘Add’, then ‘Confirm’
Step 7 – Authenticate yourself at the secure access step, and wait for your
confirmation message
Steps to make your RTGS funds transfer –
Step 1 - Go to Funds Transfer tab, and select ‘Transfer to other bank (RTGS)’
Step 2 - Select account, beneficiary, and enter the relevant details
Step 3 - Accept the Terms and Conditions
Step 4 - Review the details, and, if all is correct, confirm to complete the
process

Please Note:
* The beneficiary will be activated in 30 minutes (due to security reasons).
* RTGS transactions are possible only post 24 hours of new beneficiary addition.
* A maximum of 4 beneficiaries can be added in a period of 24 hours.
2. What are the modes through which I can initiate an RTGS transaction?
* Internet Banking – Add a beneficiary using the Funds Transfer option with the
IFSC Code and the Beneficiary Bank details. Transfer funds once the beneficiary is
added.
Keep your mobile phone handy as an OTP is required to complete the transaction and
will be sent to your registered mobile number
* Branch – Visit your nearest our Bank Branch and fill the RTGS Form to do an RTGS
transaction
* Enet - Internet banking facility for corporates
3. What information is required when using the RTGS funds transfer service?
When using RTGS Funds Transfer, there are a few essential details to provide:
* Amount to be remitted
* Remitting customer's account number which is to be debited
* Name of the beneficiary bank and branch
* Name of the beneficiary customer
* Account number of the beneficiary customer
* Sender to receiver information, if any
* The IFSC number of the receiving branch
4. What is RTGS fund transfer?
RTGS (Real Time Gross Settlement) is the continuous (real-time) settlement of funds
transfers individually on an order by order basis. 'Real Time' means the processing
of instructions at the time they are received rather than at some later time;
'Gross Settlement' means the settlement of funds transfer instructions occurs
individually (on an instruction by instruction basis). Considering that the funds
settlement takes place in the books of the Reserve Bank of India, the payments are
final and irrevocable.
5. When does the beneficiary get the credit for a RTGS Transaction?
Under normal circumstances the beneficiary branches are expected to receive the
funds in real time as soon as funds are transferred by the remitting bank. The
beneficiary bank has to credit the beneficiary's account within 30 minutes of
receiving the funds transfer message.
6. If an RTGS transaction is not credited to the beneficiary account, does the
remitter get back the money?
Yes. If the beneficiary's bank is unable to credit the beneficiary's account for
any reason, the former will return the money to the remitting bank within 1 hour.
Once the amount is received by the remitting bank, it is credited to the remitter's
account by the branch concerned.
7. Can I schedule an RTGS transaction in advance?
Yes, RTGS transactions can be scheduled in advance.
8. How would one know the IFSC code of the receiving branch?
The beneficiary customer can obtain the IFSC code from his bank branch. The IFSC
code is also available on the cheque leaf. The list of IFSCs is also available on
the RBI website (http://rbidocs.rbi.org.in/rdocs/RTGS/DOCs/RTGEB0815.xlsx).
9. Do all bank branches in India provide RTGS service?
No. All the bank branches in India are not RTGS enabled. Presently, there are more
than 100000 RTGS enabled bank branches. The list of such branches is available on
RBI website at: http://rbidocs.rbi.org.in/rdocs/RTGS/DOCs/RTGEB0815.xlsx
10. Whom do I can contact, in case of non-credit or delay in credit to the
beneficiary account?
Contact your bank/branch. If the issue is not resolved satisfactorily, complaint
may be lodged to the Customer Service Department of RBI at -
The Chief General Manager,
Reserve Bank of India,
Customer Service Department,
1st Floor, Amar Building, Fort,
Mumbai - 400 001
Or send email
Or contact Customer Facilitation Centre
Contact Details of Customer Facilitation Centre for redressal of your RTGS related
complaints
11. How can a remitting customer know whether the bank branch of the beneficiary
accepts remittances through RTGS?
For a funds transfer to go through RTGS, both the sending bank branch and the
receiving bank branch would have to be RTGS enabled. The lists are readily
available at all RTGS enabled branches. Besides, the information is available at
RBI website (http://rbidocs.rbi.org.in/rdocs/RTGS/DOCs/RTGEB0815.xlsx). Considering
that more than 100000 branches at more than 20,000 cities/towns/taluka places are
covered under the RTGS system, getting this information would not be difficult.
12. If the transaction has failed due to technical reasons either at the Bank’s or
RBI end will I get any compensation in the form of Loss of Interest?
No. If the transaction has failed / timed out / declined due to technical reasons,
Bank shall not bear any liability to compensate the same in the form of interest or
actual amount sent to the Beneficiary

NEFT
1. What is NEFT?
The National Electronic Funds Transfer (NEFT) system is a nation-wide funds
transfer system to facilitate transfer of funds from any bank branch to any other
bank branch
2. What information is required to do an NEFT transaction?
For an NEFT remittance, the remitter has to furnish the following information:
* Amount to be remitted
* Remitting customer's account number which is to be debited
* Name of the beneficiary bank
* Name of the beneficiary
* Account number of the beneficiary
* Sender to receiver information, if any
* IFSC code of the destination bank branch
3. How to do Credit card payments through NEFT?
Credit card payments can be completed easily through our Bank’s NEFT service under
NetBanking.
There are a few points to note:
* You need to have the NetBanking and Third Party Funds Transfer facilities enabled
(If you’re not yet registered, just visit your nearest our Bank branch and fill the
form).
* The Credit card issuing bank must be enabled to receive payments via NEFT
* The IFSC should be obtained from the Credit card issuing bank (without the
correct IFSC, the transaction will be rejected)
Steps to make your Credit card payment –
Step 1 – Go to Fund Transfer tab, and click Transfer to other bank
Step 2 – Select account, beneficiary, and enter the relevant details
Step 3 – Accept the Terms and Conditions
Step 4 – Review the details, and, if all is correct, confirm to complete the
process
4. When does the beneficiary get the credit for a NEFT Transaction?
The transaction will be settled to your beneficiary as per the RBI batch which
ideally takes 30 mins to 4 hours.
5. If an NEFT transaction is not credited to a beneficiary account, does the
Remitter get back the money?
Yes. If the beneficiary's bank is unable to credit the beneficiary's account for
any reason, the former will return the money to the remitting bank within 2
business hours of completion of the batch in which the transaction was processed.
Once the amount is received by the remitting bank, it is credited to the remitter's
account by the branch concerned.
6. Can I use NEFT for foreign remittances?
This is a service designed only for remitting Indian Rupees within India.
7. What is IFSC?
IFSC stands for ‘Indian Financial System Code’. It is an 11 digit, alpha numeric
code designed to identify bank branches in India. The beneficiary customer can
obtain the IFSC code from his bank branch. The IFSC code is also available on the
cheque leaf. The list of IFSCs is also available on the RBI website
(https://www.rbi.org.in/Scripts/IFSCMICRDetails.aspx).
8. Do all bank branches in India provide NEFT services?
No. NEFT services are enabled only in specific bank branches across the country. A
list of such NEFT enabled branches can be obtained from the RBI website
http://www.rbi.org.in/scripts/neft.aspx for NEFT.
9. Whom I can contact, in case of non-credit or delay in credit to the beneficiary
account for NEFT transaction?
Please contact your bank/branch or the destination bank/branch or the Customer
Facilitation Service Centre of the banks.
Contact Details of Customer Facilitation Centre of our Bank for redressal of your
NEFT related complaints
Contact details of Customer Facilitation Centre for other Banks
10. Can money be sent abroad using NEFT transaction?
No. However, a facility is available to send outward remittances to Nepal under the
Indo-Nepal Remittance Facility Scheme.
To know more : https://www.rbi.org.in/scripts/FAQView.aspx?Id=67
11. If the transaction has failed due to technical reasons either at the Bank’s or
RBI end will I get any compensation in the form of Loss of Interest?
No. If the transaction has failed / timed out / declined due to technical reasons,
Bank shall not bear any liability to compensate the same in the form of interest or
actual amount sent to the Beneficiary.
12. What are the NEFT timing?
Please click here to view the timings for NEFT transaction
13. What can I do with NEFT facility?
Customer can use the NEFT facility to transfer funds from your our Bank account to
an account in another Bank at the locations as specified by RBI and to other bank
accounts & Indian credit cards.
14. What is the limit for NEFT transactions?
Please click here to view the limit for NEFT transaction
15. What are the channels through which I can initiate an NEFT Fund Transfer?
* Internet Banking – Send money to your chosen beneficiary from your desktop/laptop
* Mobile Banking - Send money through your our Mobile Baking app
* Branch – Visit your nearest our Bank Branch and fill the NEFT form to do an NEFT
transaction
* Enet - Net banking facility for Corporates
16. Fees and charges of NEFT transactions?
Please click here to view all the fees and charges for the NEFT transaction
17. How much time does it take for NEFT transaction to be credited?
As of now, NEFT operates in half hourly batch settlements from 7 am to 7 pm on all
working days. For transactions settled in the 6.30 and 7pm batches, the credit will
be afforded on the next working day.
18. How can I transfer money through NEFT?
For NEFT you will need to begin by adding a beneficiary. Then you can go on to make
a funds transfer or Credit card payment.
For online transaction, both the NetBanking and Third Party Funds Transfer
facilities should be enabled. (If you’re not yet registered, just fill the form at
your closest our Bank branch).
Netbanking :
Steps to add beneficiary for NEFT-
Step 1 - Log into our Bank NetBanking/MobileBanking, using your Customer ID and
Password
Step 2 – Go to Funds Transfer tab
Step 3 - Click ‘Add a Beneficiary’, and then select Beneficiary Type – Transfer to
other bank
Step 4 – Enter the beneficiary account details or Credit card number
Step 5 – Select the Beneficiary’s IFSC, using the bank and branch name
Step 6 – Click ‘Add’, then ‘Confirm’
Step 7 – Authenticate yourself at the secure access step, and wait for your
confirmation message
Steps to make your NEFT funds transfer –
Step 1 – Go to Fund Transfer tab, and select 'Transfer to other bank(NEFT)'
Step 2 – Select account, beneficiary, and enter the relevant details
Step 3 – Accept the Terms and Conditions
Step 4 – Review the details, and, if all is correct, confirm to complete the
process
Note:
* Post activation of a beneficiary, Rs 50,000 (in full or parts) can be transferred
for the first 24 hours.
* A maximum of 4 beneficiaries can be added in a period of 24 hours.
Mobile Banking :
Log into our Bank Mobile banking app
Go to Menu ( left hand side top )
Click - pay and select Money transfer option
Click Add new payee
Step 1: Select transfer type ( bank account or Credit card )
Step 2: Enter payee details ( our AC or NON our AC etc)
Step 3: Select the IFSC, using the bank and branch name.
Step 4: Re-check all the details and Click 'Add' and then 'Confirm'
Please ensure that you have entered the correct account details. our Bank will not
be able to validate the beneficiary details and the bank is not responsible for any
debits made to the account number provided by you
Please note After completing the addition of the beneficiary it will take 30
minutes for the Beneficiary details to get enabled in your account.
To transfer funds: Go to > Menu ( left hand side top) >Pay> Money Transfer > View
All payees> Select the beneficiary, fill in the required details and confirm.
Post activation of a beneficiary you can transfer amount up to Rs 50,000/- (in full
or parts) for the first 24 hours.
Branch :
Customer can go to any of the our Bank branch to effect transfer by providing
cheque & duly filled NEFT form signed by appropriate signatories.

We have put together a set of FAQs to address most queries you may have. In case
you require further clarifications please write to [email protected]

What is RemitNow2India?
RemitNow2India is our Bank’s online remittance platform for individuals living
abroad who want to transfer money to a beneficiary holding a bank Account in India.
Who can use RemitNow2India facility in USA?
Any resident/non-resident individual above 18 years of age holding a Bank Account
in USA can use RemitNow2India to transfer funds to any resident/non-resident
individual holding a (Minor/Major) bank Account in India.
Can I use RemitNow2India to send money to Bank Account of a business?
RemitNowIndia service is currently available for individual remittances only and
the transfer needs to be initiated or received from/to a Savings Bank Account only.
Remittances for business purposes are not allowed.
What are the purposes under which I send money via RemitNow2India?
While initiating the funds transfer process, you can view and select the purpose
codes in the dropdown menu. RemitNow2India will abide to all global remittance
regulations before registering the remitter and initiating the transfer process.
How fast will beneficiary in India receives funds post the transfer process?
RemitNow2India assures a same day transfer to the beneficiary’s Account in India
subject to all verification checks in place. When you initiate the payment, the
availability date on your transaction page will tell you when the money will be
available to your beneficiary.
What is the total amount of remittances that I can remit in a day through
RemitNow2India?
For USA, the remitter can remit upto the value of USD 50,000 only (per
transaction). There is no limit on the number of transactions per day.
Under what circumstances will my remittance get rejected or expire?
As and when a remitter books a remittance request through RemitNow2India, he/she is
expected to fund the transfer using their overseas bank account. If the remittance
is not funded at the earliest, the request will expire over time, and the remitter
will have to book a fresh remittance request.
What happens if the exchange rate changes, and the beneficiary does not receive the
actual amount that was remitted?
RemitNow2India assures full value remittance with best exchange rates. The exchange
rate locked at the time of booking a remittance request will remain, as along as
the remitter funds the remittance at the earliest. If there is any delay in funding
the transfer and/or the booking rate changes over time, the remitter will be
informed via Phone/Email before processing the remittance request.,
How can I reset my RemitNow2India password?
On the login Page, please click on “forgot password” option. Password reset link
will be sent to your registered email ID. OTP will be sent to your registered email
ID/mobile number. You can reset your password after OTP authentication
Is it necessary to get my mobile number registered to generate a password online?
Valid Mobile Number and Email ID are mandatory to register and generate password
online.
Can I update my email address after registering on RemitNow2India?
No, your email ID is your registered username. You cannot change the email ID after
the account is registered
How to change Address and other contact number in RemitNow2India?
You can edit your address and mobile number by clicking on the Edit Profile option.
Is RemitNow2India available on our Bank’s Internet banking platform?
RemitNow2India is an independent remittance platform. The service will be shortly
introduced for our Bank clients to visit RemitNow2India via Net Banking
What is an IFSC code?
Indian Financial System Code (IFSC), is a unique 11-digit alphanumeric code that is
used for online fund transfer transactions done via NEFT, RTGS and IMPS.
Why was the money sent to the beneficiary returned to my Bank account?
There can be multiple reasons where the fund transfer will not be processed
successfully. In cases of rejection or expiry, the remitter will receive
appropriate notification during the remittance process and the funds will be
returned to the remitter. You can write to [email protected] to understand
the reason for rejection and for any other assistance.
I am not able to edit the beneficiary. What do I do?
You will be able to edit beneficiary under “Manage Beneficiary” option.
In case funds are returned to my account who will bear the currency conversion
charges?
Currency conversion charges will be borne by the remitter
I have received a refund for my transaction, but the amount is different?
Processing charges are included while initiating the refund. Hence the amounts are
different.
Where can I see my transaction history?
Transaction history is available on home page
Where do I check the current status of my Money Transfer?
You can check the status of funds transfer under transaction status under your
account profile
Can I delete my beneficiary details?
Yes, you can delete the beneficiary under “Manage Beneficiary” option.
I want to block my account as I suspect that my password has been exposed? .
You can change/reset your password if you suspect any password leakage. On the
login Page, please click on “forgot password” option. Password reset link will be
sent to your registered email ID. OTP will be sent to your registered email
ID/mobile number. You can reset your password after OTP authentication
How can I contact the customer service team?
You can write to us at [email protected]
Does the beneficiary have to pay anything to receive the money in his account?
No, there will not be any beneficiary bank charges
I sent the money to the beneficiary and now I want a refund?
Once the amount is credited into the beneficiary account, the same cannot be
refunded. You may check with the beneficiary directly and arrange to credit your
overseas bank account
How many months of transaction history is available on RemitNow2India?
12 months. You can write to us at [email protected] to receive a statement
of your transaction history
Dual Card - Forex Card and Identity Card:
* A Complimentary globally recognised ISIC Identity Card.
* The our Bank ISIC Student forex card is not only a forex card but also an
internationally recognised Student identity card.
* The ISIC card has been endorsed by the United Nations Educational, Scientific and
Cultural Organization (UNESCO) since 1968.
* The card is recognised by universities, academic institutions, student unions,
national governments, financial institutions and ministries of education around the
world.
Exclusive offers on ISIC Student ID card:

* ISIC cardholders gains preferential and discounted access to over 150,000

products, services and experiences in over 130 countries relevant to all aspects of
student life.
* There are a multitude of offers available to ISIC cardholders, from educational
courses, software licenses, digital communications, public transport and magazine
subscriptions, to music streaming, cafés and eateries, music festivals, theme
parks, sporting events, world heritage sites and more!
* For more details on the offers available Click on:
https://www.isic.org/discounts/
Available in 3 currencies:
* Single currency forex card.
* Available in USD, EUR and GBP.
* Accepted at all VISA/MasterCard affiliated merchants/establishments around the
world as well as for online shopping.
Travel safe and worry-free:
* Forex cards is one of the safest mode to carry currency when travelling abroad.
* In case the card is lost, block your card easily and immediately using Prepaid
Card NetBanking.
Complimentary Insurance Cover:
- Worry-free travel experience with the most comprehensive insurance covers that
come FREE with Forex Cards:
* Protection upto INR 500,000/- against misuse due to counterfeiting / skimming
* Road/Rail Accident Insurance (Death cover only) coverage up to INR 200,000/-
* Air Accident Insurance (Death cover only) coverage up to INR 5,00,000/-
* Loss of checked-in baggage cover coverage up to INR 20,000
* Loss of personal documents (only Passport reconstruction) coverage up to INR
50,000/-
* Loss of Cash in Transit coverage up to INR 60,000/-

Click here to know FAQs and our Forex Card Insurance Terms and Conditions
Secured Transactions with Chip & PIN at POS feature
* All ATM & Point of Sale transactions (POS) are authenticated through PIN,
making the card more secure with embedded CHIP on the card. Transactions initiated
on payment machines located outside India may get processed without PIN depending
on the guidelines followed in the respective countries, in such cases the
cardholder needs to sign the transaction slip.
Online usage allowed (E-com Transactions):
- ISIC Card can be used for transactions online on all major e-commerce platforms.
During payment check-out at e-commerce platforms, the transaction will be
authenticated either with OTP or Prepaid Card NetBanking password.
- To enable Online payment (E-commerce) service on the card follow mentioned
steps:
* Login in to Prepaid Card Netbanking with your User ID
* Go to “Account Summary” tab and select “Manage My Profile” option
* Click on “Manage My Limits” tab and then select your “Card”
* Enable the service & set transaction/daily limit
Multiple reloading Options:
- Easily reload your card using any of the multiple online* and offline modes.
- This card can be loaded through:

* Instant Reload – load your card in 3 simple steps, from anywhere in the world.
No need to remember passwords, just need your card number.
* our Bank Prepaid card Netbanking
* our Bank NetBanking
* our Bank Branches

* Online Reloading of card is available for existing our Bank customers only.
Funding from NRO accounts / Debit Cards not allowed.

Emergency Cash Delivery Assistance around the globe:

* Emergency cash assistance across the world, in case of loss / damage of
card. ( As per the rules and regulations prevailing in respective countries)
* Call our International toll free numbers to avail the services.
* For more details click here
24 x 7 Personal Concierge / Referral Services:
- With an our ISIC Student ForexPlus Card, you can customize your international
travel, entertainment, and business experiences with our Global Concierge and
Referral Services. From booking a Hotel in New Zealand, hiring a Limousine, or
simply delivering flowers to your loved ones, luxurious benefits are just a call
away!
- Here are some of the services provided by our concierge:
* Hotel Referral and Reservations Assistance
* Car Rental and Limousine Referral and Reservation Assistance
* Gift / Flower delivery assistance
* Medical Service provider referrals and Arrangement towards Hospital
Admission
* Lost passport & lost luggage assistance services
* Business Meeting / Event planning and referrals and many more
Note - Reservation or booking charges for the services will be borne by customer on
actuals. Please click here to know more on the services offered, Toll Free numbers
and the applicable Terms and Conditions.

Easy Online Card management using Prepaid card Netbanking:

- Following are the facilities available on the Prepaid card netbanking for your
convenience.
* Track your transactions
* Instant Reload using our Bank Debit card and Credit Card
* Set ATM PIN, Block Card
* Change your mobile number and Email ID instantly
* Card Statement
* Enable Contactless and online payment services
* Set transaction limits
International Toll-Free numbers:
* our Bank offers easy access to our Bank PhoneBanking services through
International toll-free numbers across 32 countries as detailed below. To know more
on toll-free numbers please click here.
*Charges as applicable

Card Validity:
* The our Bank ISIC Student ForexPlus Card is valid for 2 year.

Which customers are expected to use this service / payment journey?

Resident Individual customers wanting to process educational remittances to
overseas universities/institutions are expected to use this service/payment
journey.
Is this facility available for both our Bank & Non-Bank customers?
No, this facility is available only for our Bank Customers holding a Resident
Individual Savings Account.
How do I initiate the payment journey?
* You will receive a payment link from the University on your registered
Email ID.
* Once you click the link, you will land onto Flywire’s page, where you
can select the payment method as our Bank, enter personal details, FCY amount &
student ID
* Upon clicking ‘Make a payment’ tab, you will be redirected to our Bank’s
payment portal to submit the fee payment request from your individual resident
savings account (OR)
You can visit Flywire’s webpage (www.Flywire.com) and click on “Make a Payment” tab
& continue with the payment process as above.
What is the authentication process deployed by our Bank’s online portal for
securely completing the payment?
* 1st Authentication (at start of the journey) – Registered mobile no.,
date of birth & OTP received on registered mobile no.
* 2nd Authentication (before submitting payment request) – Net Banking
password
What are the time-lines for processing foreign currency outward remittance under
this facility?
* Requests submitted before 2.00 PM - Processed same day
* Requests submitted after 2.00 PM - Processed next working day
*(Saturdays, Sundays and Maharashtra Bank Holidays are non-working days for foreign
exchange transactions)
Can transaction request be submitted 24X7?
Yes, you may submit the transaction request 24x7 however, txns will be processed as
per the cut-off timing as mentioned above.
Is there any maximum and minimum limit on transaction?
 * Minimum Amount Per Transaction - USD 100 or equivalent
* Maximum Amount Per Transaction - USD 25,000 or equivalent
* Maximum No. of Transactions per day - No limit
Which are the currencies for which the remittance facility is available?
Currently, the facility is live for 4 currencies only – USD, GBP, CAD & AUD. Other
currencies will be added soon.
Under which purpose will Flywire’s transactions be reported to RBI?
All transactions will be reported under Education purpose.
What are the commission / fees / charges for processing remittance request
submitted through RemitNow?
NIL, there are no commission/fees/charges in this arrangement.
Will I be charged with correspondent bank charges?
* USD currency – Transactions are processed by default under ‘FULL
VALUE’ option hence, no correspondent bank charges applied
* Other currencies (GBP, AUD, CAD) – Correspondent Bank charges will
be borne by the beneficiary and will be debited from the remittance amount sent.
Remittances in all other currencies will be enabled soon.
Do I have to upload any documents in the payment journey?
If the source of funds selected is educational loan - loan agreement/ sanctioned/
disbursement letter and/or bank statement must be mandatorily uploaded.
Under what circumstances, the outward remittance request may get rejected?
* Email ID, mobile number not registered with the bank
* PAN details not updated in Bank’s record
* Transaction amount below USD 100 eq. or above USD 25,000 eq.
* If the customer is an Expat, NR or Current account holder
* Account not having sufficient funds
Will I receive swift copy for the respective transactions?
In this arrangement, a single consolidated swift copy (currency-wise) will be sent
at the end of each day for crediting Flywire's Overseas account for onward payment
to concerned educational institution/universities.

For e.g., if 10 transactions (payable in USD) are received for USD 10,000 each, a
consolidated swift will be sent for USD 1,00,000 at the end of the day for
crediting Flywire’s overseas account and they will further pay to the concerned
educational institution. Since consolidated swift are sent, individual swift copy
will not be sent to the customers for their respective transactions.
Will I receive a debit advice after initiating payment?
Yes. Post account debit, you will receive a debit advice (including transaction
reference no., FCY amount, INR amount, txn date & FX rate) for the respective
transaction.

Credit Cards serve as convenient financial tools, providing you with the ease of
managing your expenses seamlessly. Opting for an our Bank Credit Card opens doors
to a world of convenience, granting you the flexibility to handle a diverse range
of expenditures.
Whether you're securing accommodations, booking flights, settling utility bills,
acquiring the latest gadgets, or indulging in online or in-store shopping, your our
Bank Credit Card stands as your reliable companion. You can effortlessly manage
both minor and major expenses with confidence.
The perks don't end there. By utilising your Credit Card, you can unlock access to
exclusive offers, discounts, and reward points. Our partnerships with leading
brands such as Shoppers Stop, BookMyShow, Marriott, Indigo, Swiggy, Tata Neu, and
more (available on select cards) ensure that you not only spend wisely but also
save significantly.
At our Bank, our online banking and payment channels, viz., NetBanking, Mobile
Banking, MyCards and PayZapp, allow you to manage your Credit Cards. You can set
transaction limits and enable/disable international transactions and contactless
payments.
PIXEL Play – Born Digital Credit Card for The Born Digital

Welcome to the first all-digital credit card experience with PIXEL Play – A card
that allows you to customize benefits to fit your lifestyle.
* Seamless Digital Onboarding – Experience a seamless digital
onboarding via PayZapp and receive an instant digital credit card.
* Customize your card – Select merchants of your choice to earn
cashback, choose card design, and select your preferred billing cycle date.
* All in One-App – Digitally manage your PIXEL Play credit card
from PayZapp. Access features such as Card Controls, Rewards, EMI Dashboard,
Statements, Repayments, Recent Transactions, Disputes, Hotlisting, Help Center,
Notifications, and much more
Rewards

* 5% Cashback on choice of any two packs

- Dining & Entertainment Category – BookMyShow & Zomato
- Travel Category – MakeMyTrip & Uber
- Grocery Category – Blinkit & Reliance Smart Bazaar
- Electronics Category – Croma & Reliance Digital
- Fashion Category – Nykaa & Myntra
* 5% Cashback on Smartbuy
* 3% Cashback on choice of any one E-commerce merchant
- Amazon or Flipkart or PayZapp
* 1% Unlimited Cashback across all other spends
For detailed Terms & conditions Click here
Pay in Parts

Enjoy hassle-free, one-click instant conversion of the PIXEL Play credit card
outstanding balance* to EMIs from your PayZapp.
* EMI Dashboard: Manage all your live EMIs within the EMI
dashboard from PayZapp.
* Flexibility: Choose low-cost and flexible tenures that suit
best for your choice of repayment. You can choose between select transactions or
outstanding balances*.
* 100% Digital: No documentation, email, or calling required.
Simply convert to EMI and manage EMI repayments fully from your Payzapp.
To know more detailed Terms & conditions click here
Additional Features

* Zero lost card liability : In the unfortunate event of losing

your PIXEL Play Credit Card, on reporting it immediately to our 24-hour call
centre, you have zero liability on any fraudulent transactions made on your Credit
Card.
* Interest Free Credit Period : Up to 50 days of interest free
period on your PIXEL Play Credit Card from the date of purchase (subject to the
submission of the charge by the Merchant)
* Revolving Credit : Available at a nominal interest rate on your
PIXEL Play Credit Card. Please refer to Fees and Charges section to know more.
* Exclusive Dining Privileges: Enjoy amazing dining benefits with
Good Food Trail program.
- Get up to 25% savings off on all your restaurant bill payments via Swiggy Dineout
(Swiggy Dineout Logo) (20k + restaurants) (Offer inclusive of Restaurant and Swiggy
Discount). Offer valid only on payments done via Swiggy App.
Pixel CashPoints

Cashback will be credited in the form of PIXEL CashPoints and can be easily managed
under the rewards section of the Pixel Homepage in Payzapp.
Upon the accumulation of 1000 PIXEL CashPoints, they can be redeemed easily to the
PayZapp Wallet and used to purchase your choice of brand vouchers within PayZapp
digitally.
Pixel CashPoints are valid for 2 years from the date of accumulation.
How to Apply?

You can easily apply for the PIXEL Play Credit Card by following the steps below:
Step 1: Download or update the PayZapp app from the Google Play Store for Android
or the App Store for iOS
Step 2: Click on the 'Apply Now for PIXEL Play' banner on the PayZapp homepage.
Fuel Surcharge Waiver

1% fuel surcharge waiver at all fuel stations across India (on a minimum
transaction of ₹400 and a maximum transaction of ₹5,000. Maximum waiver of ₹250 per
statement cycle).
Joining Benefit

Get a joining fee waiver by spending ₹20,000 within 90 days of issuance

Renewal Waiver

Spend ₹1 lakh or more in the preceding 12 months and get renewal membership fee
waived off for next year.
Contactless Payment

Swipe to Pay
PIXEL Play Credit Card lets you make E- commerce transactions effortlessly with -
Swipe to Pay. Now make quick and secure online payments without need of one-time
password (OTP) sent via SMS.
Tap & Pay
PIXEL Play Credit Card has enabled contactless payments to facilitate fast,
convenient and secure payments at retail outlets. Just tap once with either your
phone or physical card and make hassle free offline payments.
Statement & Repayments

You can easily view and download the digital statements in the PayZapp.
View the current outstanding on the card and make card repayment within the Pixel
Home page using payment methods like UPI, Debit card, & Netbanking.
Servicing via Help Center

You can easily refer to the FAQs for every section by clicking on “?” in the app
screen to view and get answers to your questions.
You can also raise a query ticket within the app if you need more help by clicking
“Raise a Ticket”, and the service team will respond to your query in the app.

our Bank Millennia Credit Card

1) What are the key features of the Millennia Credit Card?
• 5% CashBack on 10 online merchants (Amazon, BookMyShow, Cult.fit, Flipkart,
Myntra,
Sony LIV, Swiggy, Tata CLiQ, Uber & Zomato)
• 1% CashBack on other spends (except Fuel, EMI, Wallet, Rent Payments and Govt
Related txns)
2) What are the Welcome and Milestone benefits on the Millennia Credit Card?
• Quarterly spend based benefit of ₹1000 worth gift vouchers on spends of ₹1,00,000
and above in each calendar quarter
• You will receive a Welcome Benefit of 1000 CashPoints (applicable only on payment
of
Joining membership fee)
3) How can a cardholder maximise CashPoints earning on Millennia Credit Card?
Cardholder can maximise CashPoints earning through below ways:
o Earn 5% CashBack from 10 Online Merchants.
o Earn 1% CashBack even on other spends
4) What is Quarterly Spend Based benefit? How can a cardholder come to know
whether he is eligible for ₹1000 gift voucher?
• Cardholder will be getting ₹1000 worth gift voucher on spends of ₹1,00,000 and
above
in each calendar quarter.
• Cardholder can view the spends achievement via Net Banking. Please follow the
path
to check:
Net banking login cards Enquire Redeem Reward Points Select Card My
Rewards Spend Promo Details
Once cardholder is eligible post achieving the target, voucher message will be
triggered to registered phone number & email ID within 30 working days.
5) What are CashPoints?
CashPoints are an exclusive Rewards metric system created for our Credit
Cardholders.
CashPoints can be utilized towards CashBack redemption against the statement at the
rate of 1 CashPoint = ₹1 for Millennia Credit Card Holders.
Please note that CashPoints will be posted as Reward Points only.
6) How can a customer use the cashback earned?
• CashBack will be given in the form of CashPoints, which can be redeemed by the
customer against the statement balance
• The redemption against the statement balance will be at the rate of 1 CashPoint =
₹1, and can be done via Net Banking login, Phone Banking, or physical redemption
form.
• The minimum CashPoint balance required for redemption against the statement
balance is 500 CashPoints.
• CashPoints can also be used for redemption against travel benefits like Flight &
Hotel bookings and Rewards Catalogue at the SmartBuy Rewards Portal, at a value
of 1 CashPoint = ₹0.30
• With effect from 1st February 2023, Reward points redemption for CashBack
redemption are capped per calendar month to 3000 rewards points
• Flights and Hotels redemption information, Credit Card members can redeem up
to a maximum of 50% of the booking value through Cash Points. Rest of the
transaction amount will have to be paid via the Credit Card limit.
• With effect from 1st January 2023, Reward points redemption for flights & hotels
bookings are capped per calendar month at 50,000.
• With effect from 1st February 2023, cardmembers can redeem upto 70% of
product/Voucher value through Reward points on select vouchers/products and
pay the remaining amount via Credit card.
• Unredeemed CashPoints will expire/lapse within 2 years of accumulation
7) What are the other benefits on the Millennia Credit Card?
• 1% Fuel Surcharge Waiver
• 1% Fuel Surcharge waiver on fuel transactions (Minimum transaction of ₹400,
Maximum transaction of ₹5,000 & Maximum CashBack of ₹250 per statement
cycle)
• The rate of surcharge may vary depending on the fuel station and their
acquiring bank. GST is as applicable.

• Exclusive Dining Privileges

Get up to 20 % savings off on all your restaurant bill payments via Swiggy
Dineout (20k + restaurants) (Offer inclusive of Restaurant and Swiggy
Discount). Offer valid only on payments done via Swiggy App.
8) How is our Bank Millennia Credit Card a one stop solution for all payment needs?
• There is no minimum transaction value for earning CashPoints and cardholder will
get
an assured reward on all the transactions (except fuel transaction)
• You will get upto 45 days of interest free period to payback the amount.
9) How will a cardholder get cashback on EMI spends?
• Cardholder will be getting 1% Cashback on the below type of EMI’s o
Merchant/EasyEMI o Aggregator EMI o Brand EMI
• SmartEMI/Dial An EMI (DAE) is not considered under this feature.
• If a cardholder did an EMI transaction on the 10 online merchants under 5%
Cashback
category, then cardholder will get 1% cashback.
• Only EMI principal amount will be rewarded with CashPoints. Interest & processing
fees
amounts will not eligible for CashPoints.
10) As a Cardholder I am not getting CashPoints on all spends, why so?
• CashBack shall not be eligible for the following spends/transactions on the card,
o Fuel
Spends
o Rent payments and Govt Related transactions o Cash Advances o Payment of
Outstanding Balances o Payment of card fees and other charges o EMI
transactions
• If a cardholder breaches the monthly cycle capping of the product feature of
1,000
CashPoints, then CashPoints shall not be rewarded for the spends done beyond the
monthly capping.
• With effect from 1st January 2023, Rent payments and Govt related transactions
will
NOT earn Reward Points.
11) Is there any capping for Cashback earned on Millenia card Features?
Please note that there is a calendar month capping on CashPoints accrued on the
below
mentioned features.
o Maximum capping for 5% cashback on 10 online merchants is 1,000 CP o
Maximum capping for 1% cashback on other spends is 1,000 CP
12) Cardholder did a transaction in 10 online merchants and didn’t get cashback as
per
the 5% cashback feature?
• Cashback of 5% will be calculated basis the Terminal / merchant IDs (TIDs & MIDs)
shared by the respective merchant partners. If in case the TID / MID is not
available in
the set-up, such transactions will not qualify for the benefit.
13) What will happen to cardholder existing CashPoints earned in the Millennia?
For existing customers, the available CashPoints in cardholder account will be
intact and
there would be no changes to it.
14) How does a cardholder calculate CashPoints earned on monthly spends?
CashPoints are calculated on the spends made within the calendar month cycle. Only
settled transactions within the calendar month will be considered for CashPoints
posting.
To check for the Cash Points accrued, refer to current and previous statements
received.
For example: Cardholder statement is received on every 18th of the month. The
CashPoints accrued for cardholder transactions from 1st of January till 31st of
January will
be calculated and posted on the 1st of February and the same can be seen when
cardholder
receive the statement on 18th of February. For calculating the same on cardholder
end,
refer to January month statement and February month statement. Below shows an
illustration on how to calculate:
FEB STATEMENT : Billing Cycle - 18th of every month
No TRANSACTION
DATE
TRANSACTION AT: AMT (in
Rs.)
CASHPOINTS TYPE:
TRANSACTION CATEGORY
CASHPOINTS
ACCRUED
COMMENTS
1 19th Jan Restaurant Bill Payment 1,000 1% CashPoints 10 Eligible for CashPoints
2 22nd Jan Bill Payment via PayZapp 1,500 1% CashPoints 15 Eligible for CashPoints
3 24th Jan Tata Cliq - Normal
Purchase
3,000 5% CashPoints 150 Eligible for CashPoints
4 27th Jan Fuel Transaction 400 - Fuel transaction is not eligible for CashPoints
5 12th Feb Amazon Grocery 3,000 5% CashPoints 150 Eligible for CashPoints in Feb
Calendar month
6 13th Feb Zomato 400 5% CashPoints 20 Eligible for CashPoints in Feb Calendar
month
7 14th Feb Swiggy 400 5% CashPoints 20 Eligible for CashPoints in Feb Calendar
month
8
Jan CashPoints
earned Total Points 175
9
Total points
earned for Jan Total Points 985
Total 985 CashPoints of Jan will be available for
redemption post Feb month statement
generation
15) How much CashPoints will a cardholder earn if the cardholder does a Prepaid
Card
/ Gift Card /Wallet load and / or Voucher purchase from 10 online merchants?
A cardholder will be eligible for 1% CashPoints on prepaid card/gift Card/ wallet
load and
/ or voucher purchases. All the transactions carried out through the Merchant
Category
Code (MCC) of 6540 (as defined by card networks Visa, MasterCard, RuPay and Diners)
will
be considered under 1% CashPoints.
16) If a cardholder places an order in Uber Eats, whether cardholder will be
eligible for
5% CashPoints as per product feature?
A cardholder will be eligible for 1% CashPoints if he/she orders in Uber Eats. The
5%
CashPoints on Uber is eligible for travel/commute related spends. The Uber
transactions
carried out through the MCC code of 4121 (as defined by card networks Visa,
MasterCard,
RuPay and Diners) will only be considered for 5% CashPoints.
17) When will the earned CashPoints be posted in the cardholder statement?
The total CashPoints earned in a cycle will reflect in the subsequent statement of
the
cardholder.
18) How many CashPoints will be earned if a cardholder spends through
SmartBuy/PayZapp?
A cardholder will be eligible for 1% CashPoints as per product feature if he/she
does a
transaction through SmartBuy/PayZapp which includes transaction from 10 online
merchants also. All other existing SmartBuy/PayZapp offers will be applicable as
per
SmartBuy/PayZapp Terms & Conditions.
19) Who is eligible for a Millennia Credit Card?
Customer Profile Criteria
Salaried Age: Min 21 yrs & Max 40 Yrs, Income: Gross
Monthly Income> Rs 35,000
Self Employed Age: Min 21 yrs & Max 40 Yrs, Income: ITR >
Rs 6 Lakhs per annum
20) Can contactless transactions be done on the Millennia Credit Card?
The our Bank Millennia Credit Card is enabled for contactless payments,
facilitating fast,
convenient and secure payments at retail outlets (Check for the contactless network
symbol on the card plastic)
Please note that in India, payment through contactless mode is allowed for a
maximum of
₹5,000 for a single transaction where you are not asked to input your Credit Card
PIN.
However, if the amount is higher than or equal to ₹5,000, the Card holder has to
enter the
Credit Card PIN for security reasons.
21) What are the Fees and Charges applicable on the Millennia Credit Card?
First Year Membership Fee – ₹1000/- + Applicable Taxes
Renewal Membership Fee – ₹1000/- + Applicable Taxes
Spend ₹1,00,000 in 12 Months and get Renewal Fee waived for next renewal year.
Goods and Services Tax (GST)
Effective 1st July 2017, Goods & Services Tax (GST) is applicable on all Fees,
Charges and
Interest transactions.
The applicable GST would be dependent on place of provision (POP) and place of
supply (POS).
If POP and POS are in the same state then applicable GST would be CGST and
SGST/UTGST
else, IGST.
GST For FEE & Charges / Interest transactions Billed on statement date will reflect
in next
month statement.
GST levied will not be reversed on Any dispute on Fee & Charges / interest.
Key Features

* 5% Cashback on Amazon, BookMyShow, Cult.fit, Flipkart,

Myntra, Sony LIV, Swiggy, Tata CLiQ, Uber and Zomato
* 1% cashback on all other spends (except Fuel, Wallet, EMI,
Govt transactions)
* ₹1000 worth gift vouchers on spends of ₹1,00,000 and above
in each calendar quarter
 * Upto 20% discount on partner restaurants via Swiggy Dineout
Note:
* Effective 1st September, 2024, Wallet loading, Easy EMI
transactions and Education payments made through third-party apps will NOT earn
Reward Points. However, education payments made directly through college/school
websites or their POS machines will earn Reward Points.
Category
Merchant Category Codes (MCC)
Education
8211,8220,8241,8244,8249,8299
Wallet
6540
* For detailed Terms & conditions Click here
Additional Features

Zero lost card liability : In the unfortunate event of losing your our Bank
Millennia Credit Card, on reporting it immediately to our 24-hour call centre (Toll
free numbers 1800 1600/1800 2600. Customers traveling overseas can reach us at 022-
61606160), you have zero liability on any fraudulent transactions made on your
Credit Card.
Interest Free Credit Period : Up to 50 days of interest free period on your our
Bank Millennia Credit Card from the date of purchase (subject to the submission of
the charge by the Merchant)
Revolving Credit : Available at a nominal interest rate on your our Bank Millennia
Credit Card. Please refer to Fees and Charges section to know more.
Exclusive Dining Privileges: Enjoy amazing dining benefits with Good Food Trail
program.
Get up to 20 % savings off on all your restaurant bill payments via Swiggy Dineout
(20k + restaurants) (Offer inclusive of Restaurant and Swiggy Discount). Offer
valid only on payments done via Swiggy App.
Fuel Surcharge Waiver

1% fuel surcharge waiver at all fuel stations across India

(on minimum transaction of ₹400 & maximum transaction of ₹5,000. Maximum waiver of
₹250 per statement cycle)
Welcome / Renewal Benefit

Pay your Membership fee and get Reward Points equivalent to Fee Amount
(Applicable only on payment of Membership fee)
Lounge Access

Important:
Effective December 1st 2023, Lounge access feature associated with Millennia Credit
Card is revised. Click here for details.
Please Note: Lounge access is now integrated into quarterly spends milestone
program. Upon achieving quarterly spends milestone, users can either opt for
Dreamfolks airport lounge access voucher (Or) Rs. 1000 voucher from the available
list of Brands
Smart EMI

our Bank Millennia Credit Card comes with an option to convert your big spends into
EMI after purchase. To know more click here
Contactless Payment
The our Bank Millennia Credit Card is enabled for contactless payments,
facilitating fast, convenient and secure payments at retail outlets.
*To see if your Card is contactless, look for the contactless network symbol on
your Card.
(Please note that in India, payment through contactless mode is allowed for a
maximum of ₹5000 for a single transaction where you are not asked to input your
Credit Card PIN. However, if the amount is higher than or equal to ₹5000, the Card
holder has to enter the Credit Card PIN for security reasons)
Reward Point/CashBack Redemption & Validity

CashBack Accrual:

CashBack will be given in the form of CashPoints, which can be redeemed by you
against the statement balance (on request only).
* The redemption against the statement balance will be at the
rate of 1 CashPoint = ₹1
* The minimum CashPoint balance required for redemption
against the statement balance is 500 CashPoints.
* CashPoints can also be used for redemption against travel
benefits like Flight & Hotel bookings and Rewards Catalogue at the SmartBuy Rewards
Portal, at a value of 1 CashPoint = ₹0.30.
* Unredeemed CashPoints will expire/lapse after 2 year of
accumulation
* Flights and Hotels redemption, Credit Card members can
redeem up to a maximum of 50% of the booking value through Reward Points. Rest of
the transaction amount will have to be paid via the Credit Card limit
* With effect from 1st January 2023, Reward points redemption
for flights & hotels bookings are capped per calendar month at 50,000.
* With effect from 1st February 2023, Reward points redemption
for CashBack redemption are capped per calendar month to 3,000 rewards points
* With effect from 1st February 2023, cardmembers can redeem
upto 70% of product/Voucher value through Reward points on select vouchers/products
and pay the remaining amount via Credit card.
* Redeem CashPoints at the conversion rate of 1 CashPoint =
₹0.30
* For further details, on the process to redeem CashPoints,
Click here

*Please check important Terms and Conditions for CashBack accrual and redemption.

1 RP Equivalent to
Product Catalogue
upto 0.30
Unified SmartBuy (Flights/Hotels)
0.3
Cash back
1
Airmiles
0.30 airmiles
CashPoint validity:
CashBack as per product features will be credited in the form of Cash Points. Cash
Points are valid only for 2 years from the date of accumulation e.g., if you
receive CashPoints in May 2020, same will expire in May 2022.
Renewal Offer

Spend ₹1 lakh or more in the preceding 12 months and get renewal membership fee
waived off for next year.
Top 3 Factors To Consider While Choosing The Right Credit Card
A Credit Card offers a world of benefits and choosing the right card can make your
financial life so much simpler.
Read our guide to choosing the right Credit Card.

What is your lifestyle?

Credit Cards are not just a convenient financial tool but also a lifestyle
accessory.
For instance, if you are a frequent flyer, you can opt for a co-branded airline
Credit Card like the 6E Rewards XL – IndiGo our Bank Credit Card. Such a card will
make your travel smoother and more comfortable with benefits like free lounge
access, priority check-in, complimentary flight tickets*, etc. You also stand to
earn rewards that you can convert to book flights at discounted prices or for free.
If you tend to entertain, eat out or socialise regularly, opt for a card that
offers a better dining experience and greater rewards and discounts at restaurants.
If you haven’t used a Credit Card before, you can start out with something simple,
such as the Millennia Credit Card from our Bank. It is a cashback type Credit Card
where you can earn cashback (in the form of Cash Points) for various purchases. You
can redeem these cash points into brand vouchers or statement credit. The Card also
offers complimentary access to airport lounges, dining privileges, etc., making it
a potentially ideal choice for beginners. Plus, you can conveniently manage the
Credit Card via portals like Net Banking, MyCards, mobile banking, etc.
Choose a Credit Card that suits your lifestyle and offers you the maximum rewards
and benefits for the kind of activities you indulge in frequently.
our Bank has a wide range of co-branded and specialised cards that are tailored for
different lifestyle needs.

What features do you want?

Credit Cards come with a slew of features that can make your life easier. For
example, many our Bank Credit Cards offer features such as automated utility bill
payment, Easy EMI, welcome bonuses, zero liability on lost or stolen cards, fuel
surcharge waiver and insurance cover. So, compare the features between cards before
you choose one.
How much are you willing to pay?
What does your credit card cost? Compare the different charges among cards:
* Annual fees: Most cards charge an annual fee, but waive
it off if you achieve minimum spends
* Finance charges: Banks will charge you an interest when
you use revolving credit (carrying your outstanding amount beyond your due date)
* Late payment and over-limit fee: If you settle your
outstanding after the due date or spend over your credit limit, the bank may charge
you a late payment fee.
* Cash withdrawal fee: Withdrawing money from an ATM with
your Credit Card attracts charges and interest.
All cards come with monthly credit limits. If you plan to use your card extensively
for travel, dining and entertainment, you might want to opt for one with higher
credit limits.
If you use your card infrequently, choose a card with a lower credit limits.
Now that you are aware of how to choose the right Credit Card, read more on how to
use the Credit Card wisely.
Do you want to apply for a Credit Card? Click here to know your options!

*Terms and conditions apply. The information provided in this article is generic in
nature and for informational purposes only. It is not a substitute for specific
advice in your own circumstances. Credit Card approvals at the sole discretion of
our Bank Limited. Credit Card approvals is subject to documentation and
verification as per Bank's requirement. Interest rates are subject to change.
Please check with your RM or closest bank branch for current interest rates.
A Credit Card is no longer a luxury. It’s a must-have accessory in your wallet. A
Credit Card brings a world of convenience, interest free period, discounts,
CashBacks and Rewards Points. Whether you are a student or a teacher, self-employed
or salaried, we show you how to get a Credit Card in three easy steps.

Step 1: Choose your Credit Card

Each bank offers dozens of Credit Card options. The card you choose will depend on
your expected usage and requirements, and the benefits you want– for example, some
Credit Cards are great for travellers, some are designed for entertainment, others
may be great for business.

To know which card is right for you, visit the our Bank Credit Card section.

Once you have selected the right card for yourself, check with the bank about your
eligibility for the card and the documents you must submit with your Credit Card
application.

Step 2: Apply for your card

Get all your documents ready – a bank will usually ask for identity, address and
income proofs. If you are an existing customer that may not be necessary.

Apply online or at an ATM or visit your nearest branch with the required documents.

Most cards come with an annual fee that is typically waived off when you achieve a
certain limit of spends in a year. The annual fee will be included in your monthly
statement.

Step 3: Activate your card

After your Credit Card application is approved, it is dispatched to your

communication address. You will need to sign for it at the time of delivery and
show some identity proof.

A PIN (personal identity number) is usually couriered to you separately, whereas

the Green PIN is sent on your registered mobile number. You will need the PIN to
authenticate any transaction you do on your Credit Card.

Once you get your Credit Card and the PIN in your hands, head to the nearest ATM of
your bank to change the PIN.

Congratulations! You now have a new Credit Card, and you’re ready for your first
purchase. Happy shopping!
Pixel Play Credit Card
The Born Digital Range of Credit Cards
5% CashBack on choice of any 2 Packs - Dining & Entertainment Category – BookMyShow
& Zomato, Travel Category – MakeMyTrip & Uber, Grocery Category – Blinkit &
Reliance Smart Bazaar, Electronics Category – Croma & Reliance Digital, Fashion
Category – Nykaa & Myntra
3% CashBack on choice of any one e-commerce merchant - Amazon or Flipkart or
PayZapp
1% Unlimited CashBack on all spends*
Customize your card reflecting your lifestyle by choosing a card design and a
billing cycle that suits you
Apply & Control your Pixel Credit Card on PayZapp

Millennia Credit Card

Add to Compare
The Best CashBack Credit Card
Millennia Credit Card
5% Cashback on Amazon, BookMyShow, Cult.fit, Flipkart, Myntra, Sony LIV, Swiggy,
Tata CLiQ, Uber and Zomato
1% cashback on all other spends (except Fuel) including EMI & Wallet transactions
₹1000 worth gift vouchers on spends of ₹1,00,000 and above in each calendar quarter

IndianOil our Bank Credit Card

Add to Compare
Fuel Benefits. Ready For You.
IndianOil our Bank Credit Card
giftEarn up to 50 Liters of Free fuel annually
giftEarn 5% of your spends as Fuel Points at IndianOil outlets, Groceries and Bill
Payments.
reward pointsEarn 1 Fuel Point for every Rs. 150 spent on all other purchases
Fuel Surcharge waiverEnjoy 1% Fuel Surcharge waiver

Swiggy our Bank Credit Card

Delightful Rewards. Ready For You

10% Cashback on Swiggy application (Food ordering, Instamart, Dineout & Genie).
5% Cashback on online spends across top brands. For list of eligible MCC
1% Cashback on other categories. For list of exclusions & capping
Complimentary Swiggy One Membership for 3 months on card activation as per latest
RBI guidelines
Pixel Go Credit Card
The Born Digital Range of Credit Cards

1% unlimited cashback on all eligible transactions

Shop Now and Pay in Parts with flexible low cost EMIs
Exclusive dining offers, Upto 25% discount on partner restaurants via Swiggy
Dineout
Apply & Control Your Pixel Credit Card on PayZap

Pixel Play Credit Card

The Born Digital Range of Credit Cards

5% CashBack on choice of any 2 Packs - Dining & Entertainment Category – BookMyShow

& Zomato, Travel Category – MakeMyTrip & Uber, Grocery Category – Blinkit &
Reliance Smart Bazaar, Electronics Category – Croma & Reliance Digital, Fashion
Category – Nykaa & Myntra
3% CashBack on choice of any one e-commerce merchant - Amazon or Flipkart or
PayZapp
1% Unlimited CashBack on all spends*
Customize your card reflecting your lifestyle by choosing a card design and a
billing cycle that suits you
Apply & Control your Pixel Credit Card on PayZapp
MoneyBack+ Credit Card
Add to Compare
The Most Rewarding Card For Everyday Spends

10X CashPoints on Amazon, BigBasket, Flipkart, Reliance Smart SuperStore & Swiggy
5X CashPoints on EMI spends at merchant locations
2 CashPoints on all other spends ( Excluding fuel, Wallets loads )
Gift vouchers worth upto ₹2000 annually

Millennia Credit Card

Add to Compare
The Best CashBack Credit Card
Millennia Credit Card
5% Cashback on Amazon, BookMyShow, Cult.fit, Flipkart, Myntra, Sony LIV, Swiggy,
Tata CLiQ, Uber and Zomato
1% cashback on all other spends (except Fuel) including EMI & Wallet transactions
₹1000 worth gift vouchers on spends of ₹1,00,000 and above in each calendar quarter

Freedom Credit Card

Add to Compare
The Best Card for Your Everyday Spends & Big Purchases

Earn 10X CashPoints on your favourite merchants ( Big Basket, BookMyshow, OYO,
Swiggy & Uber )
Earn 5X CashPoints on EMI spends at merchant locations
Earn 1 CashPoint per every Rs.150 on other spends ( Excluding fuel, Wallets loads )

IndianOil our Bank Credit Card

Add to Compare
Fuel Benefits. Ready For You.
IndianOil our Bank Credit Card
giftEarn up to 50 Liters of Free fuel annually
giftEarn 5% of your spends as Fuel Points at IndianOil outlets, Groceries and Bill
Payments.
reward pointsEarn 1 Fuel Point for every Rs. 150 spent on all other purchases
Fuel Surcharge waiverEnjoy 1% Fuel Surcharge waiver
Diners Club Black Metal Edition Credit Card
Global Belonging, Ready For You.

Metal Card
Unlimited Airport Lounge Access
6 Complimentary Golf games every quarter across the finest courses in the world
Complimentary Annual memberships of Club Marriott, Amazon Prime, Swiggy One as
Welcome Benefit
10,000 Bonus Reward Points on spends of ₹ 4 lakh every calendar quarter
2X Reward Points on Weekend Dining
5 Reward Points for every ₹ 150 spent
Up to 10X Reward Points via SmartBuy

INFINIA Metal Edition

Add to Compare
By Invite only
our Bank Infinia
membershipComplimentary Club Marriott membership for first year
aeroplaneComplimentary nights & weekend buffet at participating ITC hotels
rewardUnlimited Complimentary golf games at leading courses across India and select
courses across the world
Reward Points5 Reward Points for every ₹ 150 spent
GlobalGlobal Personal Concierge -24 X 7
Marriott Bonvoy our Bank Credit Card
UNMATCHED LUXURY. READY FOR YOU.

1 Free Night Award at hotels participating in Marriott Bonvoy® (up to a value of

15,000 Marriott Bonvoy Points)
Marriott Bonvoy® Silver Elite Status & 10 Elite Night Credits
Earn 8 Marriott Bonvoy Points per Rs. 150 spent at hotels participating in Marriott
Bonvoy*
Earn 4 Marriott Bonvoy Points per Rs. 150 spent on travel, dining & entertainment*
Earn 2 Marriott Bonvoy Points per Rs. 150 spent on all other applicable purchases*

Swiggy our Bank Credit Card

Delightful Rewards. Ready For You

10% Cashback on Swiggy application (Food ordering, Instamart, Dineout & Genie).
5% Cashback on online spends across top brands. For list of eligible MCC
1% Cashback on other categories. For list of exclusions & capping
Complimentary Swiggy One Membership for 3 months on card activation as per latest
RBI guidelines

IndianOil our Bank Credit Card

Add to Compare
Fuel Benefits. Ready For You.
IndianOil our Bank Credit Card
giftEarn up to 50 Liters of Free fuel annually
giftEarn 5% of your spends as Fuel Points at IndianOil outlets, Groceries and Bill
Payments.
reward pointsEarn 1 Fuel Point for every Rs. 150 spent on all other purchases
Fuel Surcharge waiverEnjoy 1% Fuel Surcharge waiver

Tata Neu Infinity our Bank Credit Card

Add to Compare
Extraordinary Rewards. Ready for You.

5% back as NeuCoins on Tata Neu and partner Tata Brand Spends

Additional 5% back as NeuCoins on Tata Neu Spends, post registering for Tata
NeuPass
1.5% back as NeuCoins on other spends
1 NeuCoin = ₹1, redeemable on Tata Neu App
8 Complimentary Domestic and 4 Complimentary International Airport Lounge Access

Tata Neu Plus our Bank Credit Card

Add to Compare
Extraordinary Rewards. Ready for You.

2% back as NeuCoins on Tata Neu and partner Tata Brand Spends

Additional 5% back as NeuCoins on Tata Neu Spends, post registering for Tata
NeuPass
1% back as NeuCoins on other spends
1 NeuCoin = ₹1, redeemable on Tata Neu App
4 Complimentary Domestic Airport Lounge Access

IRCTC our Bank Credit Card

There's a train ride in every swipe

5 Reward Point for every INR 100 spent on IRCTC ticketing website and Rail Connect
App.
1 Reward Point for every INR 100 spent on all other spends*.
Additional 5% cashback on train ticket bookings via our Bank SmartBuy.
8 complimentary access to select IRCTC Executive Lounge every year (2 per quarter)
Gift voucher worth INR 500 on quarterly spends of INR 30,000.

Shoppers Stop our Bank Credit Card

Add to Compare
Rewarding Style. Ready for You

Earn 3% on all your Shoppers Stop spends

Earn 1% on all your non-Shoppers Stop spends
Save upto Rs 2500 per year on weekend shopping in Shoppers Stop
Shoppers Stop welcome voucher of Rs 500
Shoppers Stop Silver Edge membership worth Rs 350

Shoppers Stop Black our Bank Credit Card

Add to Compare
Rewarding Style. Ready for You

Earn 7% on all your Shoppers Stop spends

Earn 2% on all your non-Shoppers Stop spends
Save upto Rs 10,000 per year on weekend shopping in Shoppers Stop
Shoppers Stop welcome voucher of Rs 1500
Shoppers Stop Black membership worth Rs 4500
International and domestic airport Lounge access

Paytm our Bank Credit Card.

Unlimited Cashback. Every Time.

Upto 3% Unlimited Cashback everytime

Paytm First Membership - Upto 75k worth benefits
Earn upto Rs. 1200 Cashback annually
Upto 50 days of credit free period

Paytm our Bank Select Credit Card

Unlimited Cashback. Every Time.

Upto 5% Unlimited Cashback everytime

Paytm First Membership - Upto 75k worth benefits
8 Complimentary Airport Lounge Access
Gift Vouchers worth Rs.500 every Calendar Quarter

Paytm our Bank Mobile Credit Card

Your Mobile is Your Credit Card

Upto 2% Unlimited Cashback everytime

Upgrade to Paytm our Bank Credit Card in 3 months
Customize your card the way you like
Instant issuance/ virtual credit card
Paytm our Bank Digital Credit Card

Upto 2% Accelerated Cashback on Scan & Pay

Upto 2% Cashback on Swiggy & Uber spends
Customize your card the way you like
Instant issuance/ virtual credit card
6E Rewards - IndiGo our Bank Credit Card
Add to Compare
Buy, Buy, Buy, Fly!
6E Rewards - IndiGo our Bank Credit Card
gift2.5% 6E Rewards on IndiGo
gift2% 6E Rewards on Grocery, Dining & Entertainment
gift1% 6E Rewards on all other spends*
Up to 10% 6E Rewards on IndiGo featured partners
Discounted Convenience Fee on IndiGo tickets-Rs.150 per pax (current – Rs.300)

6E Rewards XL- IndiGo our Bank Credit Card

Add to Compare
Buy, Buy, Buy, Fly!
6E Rewards XL- IndiGo our Bank Credit Card
gift5% 6E Rewards on IndiGo
gift3% 6E Rewards on Grocery, Dining & Entertainment
gift2% 6E Rewards on all other spends*
Up to 15% 6E Rewards on IndiGo featured partners
Discounted Convenience Fee on IndiGo tickets-Rs.150 per pax (current – Rs.300)

our Bank H.O.G Diners Club Credit Card

The Ultimate Accessory for Harley Owners Group Members

Complimentary annual memberships of Club Marriott, MMT Black, Amazon Prime, Swiggy
One, Forbes & Harley Vouchers worth ₹ 2500 as a Welcome Benefit
Complimentary Ola cabs | cult.fit Live | BookMyShow | TataCliQ vouchers on spends
of over ₹ 80,000 every month
10X Reward Points on Harley Spends
Complimentary Golf games across the finest courses in the world ( 6 per quarter)
our Bank Harley-Davidson Diners Club Credit Card
The Ultimate Harley-Davidson Accessory

'Buy 1 Get 1 Free' on all tickets via BookMyShow

5X Reward Points on Swiggy and Zomato
Complimentary annual memberships of Swiggy One, Times Prime & Harley vouchers
(worth Rs 750) as welcome benefit
₹ 1,500 worth Marriott, Decathlon & more vouchers on quarterly spends of ₹1.5 lakh
2 Complimentary Airport lounge access every calendar quarter worldwide
4 Reward Points for every ₹ 150 spent
Regalia Gold Credit Card
Add to Compare
Experience the Golden Side Of Life
Regalia Gold Credit Card
Complimentary Club Vistara Silver Tier and MMT Black Elite membership as Welcome
benefits.
₹ 1,500 worth vouchers on quarterly spends of Rs. 1.5 lakh
₹ 5,000 worth flight vouchers on annual spends of Rs. 5 lakh and Rs. 7.5 lakhs.
5X Reward Points on spends at Marks & Spencer, Myntra, Nykaa & Reliance Digital!

Millennia Credit Card

Add to Compare
The Best CashBack Credit Card
Millennia Credit Card
5% Cashback on Amazon, BookMyShow, Cult.fit, Flipkart, Myntra, Sony LIV, Swiggy,
Tata CLiQ, Uber and Zomato
1% cashback on all other spends (except Fuel) including EMI & Wallet transactions
₹1000 worth gift vouchers on spends of ₹1,00,000 and above in each calendar quarter

MoneyBack+ Credit Card

Add to Compare
The Most Rewarding Card For Everyday Spends

10X CashPoints on Amazon, BigBasket, Flipkart, Reliance Smart SuperStore & Swiggy
5X CashPoints on EMI spends at merchant locations
2 CashPoints on all other spends ( Excluding fuel, Wallets loads )
Gift vouchers worth upto ₹2000 annually

Diners Club Privilege Credit Card

Global Belonging. Ready for You

'Buy 1 Get 1 Free' on all tickets via BookMyShow

5X Reward Points on Swiggy and Zomato
Complimentary Annual Memberships of Swiggy One and Times Prime as Welcome Benefit
₹ 1,500 worth Marriott, Decathlon & more vouchers on quarterly spends of Rs. 1.5
lakh
8 Complimentary airport lounge access worldwide
4 Reward Points for every ₹ 150 spent

Marriott Bonvoy our Bank Credit Card

UNMATCHED LUXURY. READY FOR YOU.

1 Free Night Award at hotels participating in Marriott Bonvoy® (up to a value of

15,000 Marriott Bonvoy Points)
Marriott Bonvoy® Silver Elite Status & 10 Elite Night Credits
Earn 8 Marriott Bonvoy Points per Rs. 150 spent at hotels participating in Marriott
Bonvoy*
Earn 4 Marriott Bonvoy Points per Rs. 150 spent on travel, dining & entertainment*
Earn 2 Marriott Bonvoy Points per Rs. 150 spent on all other applicable purchases*

Tata Neu Infinity our Bank Credit Card

Add to Compare
Extraordinary Rewards. Ready for You.

5% back as NeuCoins on Tata Neu and partner Tata Brand Spends

Additional 5% back as NeuCoins on Tata Neu Spends, post registering for Tata
NeuPass
1.5% back as NeuCoins on other spends
1 NeuCoin = ₹1, redeemable on Tata Neu App
8 Complimentary Domestic and 4 Complimentary International Airport Lounge Access
Regalia Gold Credit Card
Add to Compare
Experience the Golden Side Of Life
Regalia Gold Credit Card
Complimentary Club Vistara Silver Tier and MMT Black Elite membership as Welcome
benefits.
₹ 1,500 worth vouchers on quarterly spends of Rs. 1.5 lakh
₹ 5,000 worth flight vouchers on annual spends of Rs. 5 lakh and Rs. 7.5 lakhs.
5X Reward Points on spends at Marks & Spencer, Myntra, Nykaa & Reliance Digital!

IRCTC our Bank Credit Card

There's a train ride in every swipe

5 Reward Point for every INR 100 spent on IRCTC ticketing website and Rail Connect
App.
1 Reward Point for every INR 100 spent on all other spends*.
Additional 5% cashback on train ticket bookings via our Bank SmartBuy.
8 complimentary access to select IRCTC Executive Lounge every year (2 per quarter)
Gift voucher worth INR 500 on quarterly spends of INR 30,000.

6E Rewards - IndiGo our Bank Credit Card

Add to Compare
Buy, Buy, Buy, Fly!
6E Rewards - IndiGo our Bank Credit Card
gift2.5% 6E Rewards on IndiGo
gift2% 6E Rewards on Grocery, Dining & Entertainment
gift1% 6E Rewards on all other spends*
Up to 10% 6E Rewards on IndiGo featured partners
Discounted Convenience Fee on IndiGo tickets-Rs.150 per pax (current – Rs.300)

6E Rewards XL- IndiGo our Bank Credit Card

Add to Compare
Buy, Buy, Buy, Fly!
6E Rewards XL- IndiGo our Bank Credit Card
gift5% 6E Rewards on IndiGo
gift3% 6E Rewards on Grocery, Dining & Entertainment
gift2% 6E Rewards on all other spends*
Up to 15% 6E Rewards on IndiGo featured partners
Discounted Convenience Fee on IndiGo tickets-Rs.150 per pax (current – Rs.300)

Marriott Bonvoy our Bank Credit Card

UNMATCHED LUXURY. READY FOR YOU.

1 Free Night Award at hotels participating in Marriott Bonvoy® (up to a value of

15,000 Marriott Bonvoy Points)
Marriott Bonvoy® Silver Elite Status & 10 Elite Night Credits
Earn 8 Marriott Bonvoy Points per Rs. 150 spent at hotels participating in Marriott
Bonvoy*
Earn 4 Marriott Bonvoy Points per Rs. 150 spent on travel, dining & entertainment*
Earn 2 Marriott Bonvoy Points per Rs. 150 spent on all other applicable purchases*
Tata Neu Infinity our Bank Credit Card
Add to Compare
Extraordinary Rewards. Ready for You.

5% back as NeuCoins on Tata Neu and partner Tata Brand Spends

Additional 5% back as NeuCoins on Tata Neu Spends, post registering for Tata
NeuPass
1.5% back as NeuCoins on other spends
1 NeuCoin = ₹1, redeemable on Tata Neu App
8 Complimentary Domestic and 4 Complimentary International Airport Lounge Access

Tata Neu Plus our Bank Credit Card

Add to Compare
Extraordinary Rewards. Ready for You.

2% back as NeuCoins on Tata Neu and partner Tata Brand Spends

Additional 5% back as NeuCoins on Tata Neu Spends, post registering for Tata
NeuPass
1% back as NeuCoins on other spends
1 NeuCoin = ₹1, redeemable on Tata Neu App
4 Complimentary Domestic Airport Lounge Access

Shoppers Stop our Bank Credit Card

Add to Compare
Rewarding Style. Ready for You

Earn 3% on all your Shoppers Stop spends

Earn 1% on all your non-Shoppers Stop spends
Save upto Rs 2500 per year on weekend shopping in Shoppers Stop
Shoppers Stop welcome voucher of Rs 500
Shoppers Stop Silver Edge membership worth Rs 350

Shoppers Stop Black our Bank Credit Card

Add to Compare
Rewarding Style. Ready for You

Earn 7% on all your Shoppers Stop spends

Earn 2% on all your non-Shoppers Stop spends
Save upto Rs 10,000 per year on weekend shopping in Shoppers Stop
Shoppers Stop welcome voucher of Rs 1500
Shoppers Stop Black membership worth Rs 4500
International and domestic airport Lounge access
IndianOil our Bank Credit Card
Add to Compare
Fuel Benefits. Ready For You.
IndianOil our Bank Credit Card
giftEarn up to 50 Liters of Free fuel annually
giftEarn 5% of your spends as Fuel Points at IndianOil outlets, Groceries and Bill
Payments.
reward pointsEarn 1 Fuel Point for every Rs. 150 spent on all other purchases
Fuel Surcharge waiverEnjoy 1% Fuel Surcharge waiver
our Bank Credit Card Features
New Card Holder Advantages
Get exclusive benefits when you sign up for a Credit Card with our Bank. Plus, you
can enjoy additional rewards on annual spends above certain specific limit.
SmartEMI
Turn your Credit Card purchases of ₹2,500 or above into easy Equated Monthly
Instalments (EMIs). With SmartEMIs, you can enjoy flexible repayment options with
competitive interest rates for both online and in-store Credit Card purchases.
Contactless Payments
Make instant payments with complete security using our Credit Cards with
contactless payment features. Just give a quick tap on the POS machine to make
swift and hassle-free transactions at stores. Activate contactless payments through
MyCards.
Foreign Currency Markup
Our competitive foreign currency markup on selected our Bank Credit Cards allows
more savings when you shop while abroad.
Insurance Coverage
Get complimentary insurance coverage with select our Bank Credit Cards. You can
avail of coverage worth of several lakhs for air accidents and emergency
hospitalisation.
Revolving Credit Facility
Take advantage of revolving credit facilities at affordable interest rates with our
Bank Credit Cards. Review the Most Important Terms and Conditions (MITC) for more
details.
Airport Lounge Access
Enjoy free access to airport lounges at both domestic and international airports
with select our Bank Credit Cards.
No Lost Card Liability
Contact our all-round support centre to report if your card gets lost or stolen. We
provide liability waivers on fraudulent transactions when you report promptly.

Make UPI Payments

Your RuPay Credit Card is enabled for UPI payments. All you have to do is link your
RuPay Credit Card on a UPI-enabled app like PayZapp, generate a PIN and start
making payments.
Eligibility Criteria To Apply For Credit Card
Age
You should be at least 18 years old.
Nationality
You should be an Indian National.
Residential Status
You should be a Resident or Non-Resident Indian.
Employment Status
You should be a salaried professional or a self-employed individual.
Annual Income
our Bank determines your eligibility for Credit Card and subsequent credit limit
based on your annual income.
*our Bank revises your credit limit based on your annual spends, card usage, and
changing income. We also send invitations to upgrade your Credit Cards based on
your usage.
Things To Know Before Applying for a Credit Card
Your Credit Card Statement
our Bank generates a Credit Card statement every month that lists all your
transactions. It includes the credit limit you have spent, the due date for
payments, and the total outstanding balance. This statement is generated as per
your billing cycle. The Bank will send you this statement to your registered email
address.

Cash Withdrawals with Your Credit Card

You can use the Cash Advance service to withdraw cash from ATMs using your Credit
Card. The amount you can withdraw depends on your card type and the predetermined
cash advance limit. When you withdraw cash using your Credit Card, the bank will
levy interest on the withdrawn amount along with other applicable charges.
Fees & Charges
our Bank applies specific fees on your Credit Card use, depending on the type of
card you have. These fees include annual maintenance charges and other charges
which are levied on different conditions. It also includes fees for cash advances,
foreign currency conversion fees, late payment charges, interest on unpaid
balances, fees for going over your credit limit, and applicable Goods and Services
Tax (GST) charges.
Reward Points
Your Credit Card transactions, both online and offline, can help you earn rewards,
cashback and other offers. You can redeem the accumulated points for brand
vouchers, airmiles, statement credit, etc. Ensure you use your reward points before
they expire.
Bill Payment
Upon Credit Card bill generation, the card issuer provides a grace period of up to
20 days for bill payment. To steer clear of late payment charges, ensure you pay at
least the minimum amount due before the due date. While you can make partial
payments, note that the remaining outstanding balance will accumulate interest and
be subject to applicable taxes.
Credit Card – Dos And Dont’s
You can conduct various offline and online Credit Card transactions. Consider these
Credit Card usage etiquettes to enjoy uninterrupted benefits with your our Bank
Credit Card.
- What To Do:
Explore Your Options
Consider the diverse range of Credit Cards offered by our Bank, designed to meet
distinct needs. Whether you're in search of a shopping-oriented Credit Card or one
that rewards your airline expenditures, our bouquet of offerings has something for
everyone. Assess your eligibility and select the Credit Card that aligns with your
preferences.
Assess Terms and Conditions
You must check the vital terms and conditions concerning credit limits, interest
rates, cash withdrawals, fees and charges, waivers, discounts, Credit Card offers,
etc., when you apply for a Credit Cards online.
Repay Dues on Time
Repaying your dues in full proves incredibly beneficial as it showcases your
creditworthiness to the bank over a specific period of time. Also, you do not have
to pay interest if you repay your total outstanding dues on time.
Leverage Credit Limit Enhancement
our Bank will inform you if you qualify for credit limit enhancements. An enhanced
credit limit gives you freedom to buy more and earn more reward points so use it to
your advantage.
Know About Billing and Payment Dates
The billing date is when the bank sends you an itemised bill comprising your Credit
Card spends during the last billing cycle and the payment date is the date on or
before which you must clear your dues. Ensure you keep track of these dates to
avoid late payment charges.

Monitor your Expenses

Stay on top of your Credit Card expenses regularly to thwart potential fraudulent
transactions. Opt for SMS and email alerts after each Credit Card transaction to
keep a real-time tab on your spends. In the case of suspicious activity, notify the
bank and take immediate action to block your card.
- What Not to Do:
Don’t Over-Utilise the Entire Credit Limit
Utilising only a part of your card’s credit limit may be the right way to go. Over-
utilisation of the credit limit may impact your credit score, burden you with a
huge debt, and makes repayment difficult.
Don’t Apply for Too Many Credit Cards
While it may seem wise to to have more than one Credit Card and by extension an
additional credit limit, especially during emergencies, applying for multiple
Credit Cards may not be not prudent. Doing so may make you appear credit hungry or
a imply risk-taking tendencies.
Don’t Pay Just the Minimum Amount Due
Paying only the minimum amount due on your Credit Card is not recommended. By
choosing this option, you would typically carry forward the remaining amount to the
next cycle, incurring an interest rate on the delayed payment, and increasing your
outstanding Credit Card debt.
Don’t use it for prohibited / restricted transactions
Usage of the our Bank International Credit Card(s) shall be strictly in accordance
with exchange control regulations, law of the land or of the Regulatory authorities
as applicable from time to time.
Do not use the card for transactions involving Forex trading, lottery, betting,
gambling, dating, Bitcoins, Virtual currency & any other prohibited transactions as
directed in Foreign Exchange Management Act, 1999.

Tips For Secure Credit Card Usage

Understanding how to use a Credit Card wisely is vital. Consider these security
tips.
Card Features and Usage
Your Credit Card comprises details like your name, card number, expiration date and
the CVV number. While making online transactions, you must enter these details. You
must also input the 4-digit pin along with a One Time Password (OTP) the bank sends
on your registered mobile number (RMN) to authenticate the transaction. Ensure
secure transactions by not sharing your PIN or OTP with anyone.
Overseas Usage
You can activate your card for international usage anytime. We recommend you
deactivate it soon after arriving in India. You must inform us immediately upon
losing your card or if you notice fraudulent or suspicious transactions on your
card. The bank will block the card immediately in such cases.
Exercise Caution While Sharing Card Details
Refrain from responding to any correspondence requesting your card number, expiry
date, or other personal data. Although you may need to provide certain details when
calling our customer care, note that our Bank or our representatives will never
solicit your Credit Card PIN, CVV, or OTPs.
What’s New
The bank has launched the PIXEL PLAY and PIXEL GO Credit Card by our Bank. The All-
Digital Credit Cards available on PayZapp. The bank has also launched the our Bank
UPI RuPay Credit Card, a virtual RuPay Credit Card you can apply via PayZapp and
MyCards.
You can apply for the Credit Card online via the app, and if approved, you can
start using the Card instantly. With the PIXEL PLAY Credit Card by our Bank, you
can customise the card color, the offers and the billing date.
Fees & Charges Applicable on Credit Card
Explained below are a few types of Credit Card fees you ought to know:
Annual Fee/Renewal Fees: This is the fee that the issuer charges annually to you.
The fee can vary across.
Cash Advance Fees: This is applicable when you withdraw cash from an ATM using a
Credit Card.
Finance Charges: These are payable at the monthly percentage rate on all
transactions if you don’t pay your Credit Card bill in full.
Late Payment Fee: A late payment fee is applicable if you fail to pay your Credit
Card bill by the due date.
Foreign Transaction Fee: A transaction fee will be applicable if you use you use
your card for international transactions.
Balance Transfer Fee: When you transfer balance from one Credit Card to another,
you will incur a transfer fee.
What are the types of Credit Cards in India?
You can avail of a wide range of Credit Cards in India, including:
Cashback Credit Card
This type of Credit Card offers cashback on your online and offline spends.
Typically, you’ll receive a percentage of the spends amount as cashback. For
instance, the our Bank Millennia Credit Card offers a 5% cashback on certain e-
commerce spends.
Shopping Credit Card
This type of Credit Card offers exclusive rewards on retail spends. These can be
co-branded Credit Cards that offer greater perks when you use the card when
shopping at the particular brand online and offline.

Premium & Super Premium Credit Card

The card issuer issues such types of Credit Cards to select individuals. The
minimum income criteria to be eligible for the card is relatively high. Also, these
cards may come with premium perks such as unlimited airport lounge access or gold
course access.

Co-Branded Credit Card

our Bank has tie-ups with several brands. Through this tie-up, the bank offers Co-
branded Credit Cards. When you use the card at the brand outlets, you can receive
exclusive rewards or loyalty points.
Rewards Credit Card
A Rewards Credit Card features an extensive rewards programme where you can earn
attractive rewards, in the form of cashback, reward points or loyalty points.
Travel Credit Card
This type of Credit Card offers exclusive rewards on travel-related spends. You can
earn rewards on the hotel, flight, train, etc., bookings. With certain Cards, you
can redeem these rewards to get travel vouchers.

Airline Credit Card

An airline Credit Card offers special rewards when you make air travel-related
spends. For instance, the 6E Rewards XL – IndiGo our Bank Credit Card offers 5% 6E
Rewards on spends.

International Credit Card

You can enable international transactions on most Credit Cards. However, certain
specific cards may come with lower foreign currency mark-up charges to help you
maximise cost-savings. You can use such cards at overseas point-of-sale (POS)
terminals, ATMs, etc.

Lifestyle Credit Card

This type of card is designed to offer special benefits, including rewards,
cashback, travel, health and wellness, dining, etc.
How to Use a Credit Card?
Keep these things in mind when it comes to using a Credit Card effectively:
Make sure you activate the card within 30 days of issuance to avoid automatic
closure of the card. You can activate the card by carrying out a transaction,
setting a new PIN, via MyCards, etc.
Use your Credit Card for your purchases and bill payments to accumulate
cashback/reward points. Ensure you manage your credit utilisation appropriately.
Pay Credit Card bills on time and in full to avoid late payment fees, interest
accumulation and potential impact on your credit score.
Redeem your rewards before they expire. Generally, you can redeem them for brand
vouchers or statement credit.
Do not share your Card details with anyone. When using your Card for online
transactions, make sure the website is secure; the URL should start with http with
a lock symbol next to it.
Monitor your statement regularly to spot any unknown transactions.

How to Choose the Right Credit Card?

Selecting the right Credit Card involves evaluating your spending habits, financial
goals and the features offered by different cards. Consider the following factors
when you apply for a Credit Card:

Identify where you spend the most, whether groceries, travel, shopping, etc.
What are your financial goals? Do you want a card to earn rewards, cashback, miles,
etc.? Or you simply wish to improve your credit score?
Once you have determined your objective, it’s easier to shortlist a Credit Card
type for your needs. You can choose from Rewards Cards, Travel Cards, Shopping
Cards, Secured Cards, etc.
Compare the features, benefits and terms of different cards, including annual fees,
reward programmes, welcome bonuses, milestone benefits, interest rates and lounge
access.
Familiarise yourself with the late payment fees, foreign transaction fees, balance
transfer fees, and cash advance fees. Carefully read the terms and conditions,
including the interest rate terms, fees, and rewards program rules.
Latest Credit Card Offers
PIXEL PLAY Credit Card by our Bank
5% CashBack on choice of any two brand packs of your choice from Dining &
Entertainment, Electronics, Fashion, Groceries and Travel
3% CashBack on choice of any one e-commerce merchant - Amazon or Flipkart or
PayZapp
1% Unlimited CashBack on all spends*

PIXEL GO Credit Card by our Bank

1% Unlimited CashBack on eligible transactions
Exclusive dining offers
Pay in parts with flexible low cost EMIs
Credit Card FAQs
What is a Credit Card?
A Credit Card is a payment tool that allows you to make purchases and pay for them
later. It comes with a predetermined credit limit that you can use to make online
or in-store purchases. You will receive a monthly statement detailing your spends,
and you can choose to pay the full balance or a portion of it, with interest
applied to the remaining balance if not paid in full.
What purpose does a Credit Card serve?
A Credit Card serves as a financial tool that lets you make purchases on credit,
allowing you to settle the payment at a later date. This way, you can obtain
products and services instantly without the need to defer expenses due to a
shortage of cash or limited funds in your Bank Account.
How does a Credit Card Work?
When you use a Credit Card for a transaction, the bank pays the merchants or
retailers on your behalf. After that, you have to repay the amount to the bank.
Each month, you receive a statement detailing your charges, and you have the option
to pay the full balance or a minimum payment on or before the Credit Card due date.
How to apply for a Credit Card?
Here is how you can apply for a new our Bank Credit:
Apply for a Credit Card online through our Bank's website by following these steps:
Visit the Credit Card page on our website.
Check your eligibility through our online eligibility calculator.
Get right recommendation of our Bank Credit Card for you.
Provide your address and employment details for review.
Authorise the application using Net Banking or your Debit Card.
We will review your application internally. Upon successful approval, we will issue
you a new Credit Card.
2. Visit your nearest our Bank branch:
Apply for a Credit Card using a physical form.
Provide the necessary details and get your Credit Card delivered to your doorsteps.
How to check the eligibility for an our Bank Credit Card?
You can easily check your eligibility by visiting the our Bank Credit Card page on
the website. Enter your Mobile Number and Date of Birth, and we will let you know
if you are eligible to get an our Bank Credit Card.
What are the documents required while applying for a Credit Card?
Documents Required For Existing our Bank Customers:
a. As an existing our Bank customer, your latest mailing address is already updated
in our records. Therefore, there is no requirement for additional address documents
when applying for an our Bank Credit Card. However, we do require your income
documents. If address proof is necessary, we will notify you accordingly.
Acceptable income proof documents include your salary slip or income tax return for
the last three years.
b. Should you need to update your latest mailing address, you must provide your
recent address proof and income proof.
- Acceptable address proof documents: Aadhaar card, valid Passport, Voter ID or
valid Driver’s License
- Acceptable income proof documents: Salary slip or income tax return for the past
three years.
Documents Required For New our Bank Customers:
For new customers, we require your address, income, and identity proof, as outlined
in the application process.
I have a Credit Card. Can I apply for another one?
You can easily apply for an our Bank Credit Card despite already having a Credit
Card, provided the existing Credit Card is from another card-issuer or card-issuing
bank. Also, other prerequisites include a good credit score, adequate monthly
income and stable employment. Note that if you already have an our Bank Credit
Card, we cannot issue another our Bank Credit Card.
How can I track and control my Credit Card spending?
Visit the our Bank MyCards portal to effortlessly monitor and manage your Credit
Card expenses.
How can I track and control my Credit Card spends?
You can monitor and control your Credit Card spends through our Bank’s MyCards,
NetBanking, Mobile Banking and PayZapp. Under Credit Card settings, you can set
transaction limits on various spends categories. Additionally, you can enable or
disable international or contactless payments. You can also enable/disable or set
limits on cash advances.
Do I have to pay Credit Card bills if I don't use my Card?
Your Credit Card may come with certain payable charges irrespective of whether you
use your Card or not. For instance, the card issuer typically levies an
annual/renewal fee every year. However, if you meet certain conditions, the card
issuer may waive these charges. In the case of our Bank Credit Cards, you can check
the conditions here.
In what ways can I utilise my Credit Card reward points?
Once you have accumulated adequate reward points, you can redeem them for a
multitude of products and services. As an our Bank Credit Cardholder, you can use
the NetBanking platform to redeem these products and services through the rewards
catalogue. You can obtain gift vouchers, flight tickets, hotel bookings, etc.
What are the rules associated with interest payments on purchases made using a
Credit Card?
You don't have to pay interest on all Credit Card purchases. However, if you do not
repay the total outstanding amount on or before the specified due date, the unpaid
dues, along with any additional transactions, will begin to attract interest till
the balance amount is repaid in full. Also, interest will be applicable on Credit
Card cash withdrawals. In this case, interest will apply from the instance you
withdraw the cash until the withdrawal amount is repaid in full.
What does a late payment fee on Credit Cards mean?When a Credit Card bill is
generated, you must pay either the entire bill amount or the minimum amount due on
or before the specified due date. If you fail to do so, the card issuer will levy a
late payment fee conveyed to you in the Fees & Charges section of your Credit Card
agreement.
Smart Pay
Special offers

Get upto 1800 Rs cashback for the first 12 months.

Cashback will get posted in the next statement cycle from the SmartPay transaction.
Add two or more bills under SmartPay and get e-voucher worth Rs. 800! T&C
Features

SmartPay is an automatic payment facility available on your Credit Card to pay any
of your utility bills (mobile postpaid/ telecom/ gas/ water/electricity/ DTH/ rent/
insurance)
1. No risk of missing due dates
2. No late payment charges
3. Earn reward points on your SmartPay spends
4. Set your own payment limit for each biller
5. Zero transaction fee
6. Get payment schedule reminder & transaction alerts
7. Modify bill payment details anytime on NetBanking
Easy to manage

Add and modify bill details with ease

Set payment limit on your bills
Fees and Charges

The service is free

How to register?
 1. Through Net Banking Login (navigation path)

BillPay & Recharge > Continue > Add Biller > Select Category > Enter Details and
Enable Smartpay on Debit/Credit Card
OR
Cards> Credit cards> Smart Pay> Continue > Add Biller > Select Category > Enter
Details and Enable Smartpay on Debit/Credit Cardo

2. Through Mobile Banking Login

Bill Payments > Add Biller > Select Biller Type> Enter Details and Enable Smartpay
on Debit/Credit Card

3. Through Phone Banking unit

Customer can contact phone banking unit and request for SmartPay facility

4. By visiting neaest Branch

Customer can also visit his nearest branch and fill a SmartPay application form and
enter the bill details to be registered.
SmartPay

SmartPay is an automatic payment facility available on your Cards and account to

pay any of your utility bills (mobile postpaid/ telecom/ gas/ water/electricity/
DTH/ rent/ insurance etc.)
Benefits

1. No risk of missing due dates

2. No late payment charges
3. Earn reward points on your SmartPay spends
4. Set your own payment limit for each biller
5. Zero transaction fee
6. Get payment schedule reminder & transaction alerts
7. Modify bill payment details anytime on NetBanking
Bill Payment Online
Providing you with a convenient and hassle-free way to pay bills is a priority for
us. Pay for over 260 billing merchants online with just one-time registration via
NetBanking or the new MobileBanking App in few simple steps.

View More
Electricity
Electricity
Pay your electricity bills instantly – no more waiting in long queues, late fees,
or power cuts

Gas
Gas
Conveniently settle your gas dues every month or quarter

Landline phone
Landline phone
Pay your phone bills through multiple options and always keep the connection going
Water
Water
Use your debit card to pay off your water bills easily and conveniently

Subscriptions
Subscriptions
Pay your subscriptions in just a few clicks and never miss an issue of your
favourite magazine

our Bank Credit Card Bill

our Bank Credit Card Bill
Use the most convenient way to pay for your our Bank credit card bills on time,
every time

Other Banks Credit Card Bill

Other Banks Credit Card Bill
Pay one or multiple card bills at once with many convenient payment options

Post-paid mobile
Post-paid mobile
Choose from multiple options to pay your mobile bills – the smart way

Mutual Fund Installment

Mutual Fund Installment
Pay for your mutual fund investments safely and conveniently

Club Membership
Club Membership
Pay or renew membership to your club in minutes through a variety of options

Insurance Premium
Insurance Premium
Pay your insurance premiums on time, every time

Rent Payment
Rent Payment
Pay your monthly home rent conveniently and on time through your our Bank Credit
Card.
Instantly, conveniently and easily recharge your mobile voice and data plans, renew
your DTH subscription and pay for your internet connection.

Choose from a wide range of recharge payment options. Stay connected, stay
entertained with our Bank bill payment solutions and products.

View Less
Prepaid Mobile
Prepaid Mobile
Never run out of talk time – instantly recharge your phone on the go

DTH
DTH
Stay tuned with all your favourite shows – recharge your DTH subscription in a
jiffy

Broadband & Data card

Broadband & Data card
Pay your broadband and data card bills on time – stay connected to high-speed
internet
1. What is Secure/Tokenise my Card?
You would have observed that websites and apps offered options to customers to save
their card details. It made payment quick and easy. Effective 1st October 2022,
merchants cannot save/store customers card numbers, CVV and Expiration date, and
any other sensitive card information. It is as per the RBI rule to offer enhanced
card security. Secure/Tokenise my Card refers to replacement of actual or clear
card number with an alternate code called the “Token” at online websites/apps.
2. What are the charges that I need to pay for availing this service?
You need not pay any charges for availing this service.
3. Why should I Secure/Tokenise my Card?
A secure/tokenised card transaction is safer as the actual card details are not
shared / stored with the merchants to perform the transaction.
Securing/Tokenisation also helps you save the hassle of inputting your complete
card details each time
4. How do I Secure/Tokenise my Card?
* Step 1 – Visit your favourite online
application/website to purchase grocery, pay bills or order food and initiate a
transaction.
* Step 2 – In the check-out page, select our Bank
Credit/Debit Card and provide CVV
* Step 3 – Tick mark the check box “Secure your Card” or
“Save Card as per RBI guidelines”
* Step 4 – Enter the OTP received on your registered
mobile number
* Step 5 – Congratulations!!! Your card details are now
secured.
5. What if I do not Secure/Tokenise my Card before 1st October 2022?
If you had saved your card details at any merchant website/application, the same
will be deleted before 1st October 2022. To pay each time, you will have to enter
full card details.
6. Once Secured/Tokenised, how will I recognise my card on the merchant page?
You will be able to recognise your card using the last 4 digits of the card on the
merchant page which is the only detail that will continue to be stored by the
merchant.
7. Are my card details safe after I Secure/Tokenise my Card?
Actual card data, token and other relevant details are stored in a secure encrypted
mode by our Bank and / or authorised card networks. Merchants will not store full
card number or any other card detail.
8. How can I manage my Secure/Tokenised cards?
Please visit ourbk.io/k/DUvfZJV5g5z in order to suspend/resume tokens created on
your card.

* Suspend functionality helps you block a token at a

particular merchant website/app to avoid any misuse. Once suspended, you will need
to enter complete card details at respective merchant website/app each time you
want to transact.
 * Resume functionality helps you unblock a suspended
token at a particular merchant website/app and save the hassle of inputting your
complete card details each time.
9. Do I need to Secure/Tokenise my Card for International online transactions?
No. Tokenisation is applicable only for domestic transactions.
10. Do I need to Secure/Tokenise my Card for POS transactions that I do at merchant
outlets?
No. Card on file Tokenisation is only required for carrying out the online
transactions
11. Is it mandatory for me to Secure/Tokenise my Card?
No, you can choose not to get your card tokenised. If not Secured/Tokenised,
starting 1st October 2022, you would need to enter the full card number, CVV and
Expiry date every time to complete your online transactions.
12. Can a merchant Secure/Tokenise my Card without my consent?
No. The registration for a tokenisation request is done only with explicit customer
consent through Additional Factor of Authentication (AFA), and not by way of a
forced / default / automatic selection of check box, radio button, etc.
13. Will I need to Secure/Tokenise my Card at every merchant?
Yes. A token is unique to the card at a specific merchant. If you intend to use
your card multiple merchants, then you must secure your card at all the merchants.
14. Is there any limit on the number of cards that I can Secure/Tokenise?
No, you can request for tokenisation of any number of cards.
15. I am having both our Bank Credit Card as well as Debit Card. Should I create 2
different tokens at every merchant.
Yes.
16. Can I select which card to be used in case I have more than one card tokenised?
For performing any transaction, you are free to use any of the cards by identifying
the last 4 digits of the card.
17. What will happen to the token if my card gets replaced or renewed or reissued
or upgraded?
You would need to again visit the merchant page and create a fresh token.
1. I had Saved my Card on PayZapp. Do I need to Secure/ Tokenise my Card now?
In case your card is issued by any bank other than our Bank, you would need to
Secure/Tokenise your Card on PayZapp. For cards issued by our Bank, we will
Secure/Tokenise your Card and replace the full card details with the token. This
will ensure all your future PayZapp transactions are secure.

2. What if I do not Secure/Tokenise my Card on PayZapp before 1st October 2022?

If you had saved your card details at PayZapp, the same will be deleted before 1st
October 2022. To pay each time, you will have to enter full card details.
1. I had Saved my Card on SmartBuy. Do I need to Secure/ Tokenise my Card now?
Yes.

2. What if I do not Secure/Tokenise my Card on SmartBuy before 1st October 2022?

If you had saved your card details at SmartBuy, the same will be deleted before 1st
October 2022. To pay each time, you will have to enter full card details.
I had created an E-Mandate (merchant standing instructions or recurring payment) on
merchant websites/mobile applications like OTT (Amazon Prime, Hotstar, NetFlix,
etc.), Insurance (Acko General, Bharati Axa, Exide, our Ergo, ICICI Prudential,
Max, Navi, etc.), etc. Do I need to Secure/ Tokenise my Card now?
No. We will Secure/Tokenise your Card and replace the full card details at the
merchant’s end with the token. This will ensure all your future recurring
transactions are secure
Introducing contactless payments.

TAP & PAY WITH our Bank Credit & Debit Cards
Digital Payments
Lot of digital payment apps these days use the process of ‘Tokenization’ to replace
sensitive information on your card with an alias called ‘token’ which is hereafter
used while processing transactions.

With increasing use of digital payment modes for transactions, it is important for
one to understand the secure way of how the app facilitates the contactless
transaction at a merchant outlet or via mobile app.
Lets understand what is Tokenization and what exactly happens when the customer
taps and pays at a POS terminal or makes payment via Mobile App.
What is tokenization?
It’s a process where the card number is replaced with unique set of characters
referred to as token which secures the customer’s card details when the transaction
is under process.
Step 1: Credit card holder initiates transaction and enters their card details
Step 2: Credit card information goes to merchant acquiring bank in form of token
step 3: Acquirer transmits the token to credit card networks for authorization
step 4: Once authorized, token gets matched to customer account details present in
bank secure database
Step 5:Post succesful authorization issuing bank receives decrypted token details
and sends success/failure response to Network
This enables for frictionless and secure payments in different environments-online,
in-store and in-app.
Why save your card on these payment applications?
Because its convenient, secure and quick for bill payments
* Ease of use
Quicker transactions and shorter queues at the checkout are the most significant
advantages of contactless payment. Handling cash is not a concern at the checkout.
You also don’t have the hassle of punching in your PIN for transaction up to INR
5000
* Safer transactions
More reliable and secure than other forms of payment. The token technology protects
you against any fraudulent purchases through encryption and dynamic data
technologies.
* The flexibility of payment devices
Say goodbye to bulky wallets once you go cashless. Your NFC-enabled smartphone is
all you need to make your payments.

Not carrying your Debit/Credit Card?

If you do not have a Debit/ Credit Card on you, but have saved it on your payment
platform on your mobile phone thus ensuring a seamless payment process done via the
app
How to save your card on the payment app for seamless transaction ?
Step 1: Go to add payment method and click on add debit/credit card
Step 2: Accept T&C and Click on Proceed
Step 3: Enter 16 digit card details
Step 4: Enter OTP received on registered Mobile number to validate your card
Below are the steps towards using tap & Pay functionality to proceed for merchant
payments:
1. Keep your NFC feature enabled on the smartphone
2. Choose your card on the mobile application and directly tap onto the POS machine
3. If amount is less than 5000, no need to enter Pin
4. Payment will be completed and success message will be delivered to registered
mobile number

*For Paytm Tap & Pay : Applicable only on Visa and Mastercard Credit and Debit
Cards on Android device only.
*For Google Pay: Applicable only to Visa and Mastercard Credit and Debit card on
Android Device Only
*For card control on daily usage limits please visit Mycards -
Login with Registered mobile number and OTP>Add your card details (if not already
added)> Select Card Control from Home Page>Enable Contactless
Transactions/International Transaction and Set Usage limits>Confirm by OTP or via
Netbanking> cards> Credit or Debit card> Request > set daily limits
1.What is our Bank SmartHub Vyapar?
It’s a one-stop powerful app with solutions for all your business needs and growth.
2.What can I do with our Bank SmartHub Vyapar?
Through our Bank SmartHub Vyapar you can:
* Accept payments from your customers using all modes
* Get access to loans for your business instantly via
Business Loan, Overdraft Facility, and Credit Card
* Make vendor/ distributor/ GST /utility bill payments
digitally with ease
* Grow your business digitally
3.Who can use our Bank SmartHub Vyapar?
Existing Current Account or Savings Account holders - sole proprietors and
individual business owners, can use SmartHub Vyapar.
4.How can I become an our Bank SmartHub Vyapar Merchant?
our Bank SmartHub Vyapar offers an instant, digital and paperless onboarding
experience if you have Current Account or Savings Account with our Bank. You can
onboard easily with your registered mobile number.

5.How can I accept payments using our Bank SmartHub Vyapar?

You can use various modes like cards-Tap N Pay, QR, UPI, SMS Pay for collecting
payments from your customers in the store as well as remotely. You will also get
voice, SMS and in app alerts after every successful transaction.

6.How can I get QR with my store name?

Once you become an our Bank SmartHub Vyapar merchant, you can immediately start
accepting the payments digitally. You will receive your welcome kit with the
personalised QR and other marketing collaterals for in-store visibility. You can
also track delivery status of the welcome kit in the app.
7.When will I get the payments credited in my account?
our Bank SmartHub Vyapar gives you the flexibility to opt for Instant settlement on
UPI transactions. By default, for all successful card and UPI transactions, you
will get the payment the next day (T+1).
You can check the history of payments credited in the ‘Settlement tab’.
8.Is our Bank SmartHub Vyapar free of cost?
our Bank SmartHub Vyapar has no setup charges, no maintenance fees, no processing
fees and no hidden charges! There are only minimum transaction charges for
accepting payments via cards.
9.How can I apply for a loan to grow my business?
our Bank SmartHub Vyapar offers quick, easy and paperless loans to match your
business needs. Check your pre-approved loan amount and apply easily from the app
itself. Choose as per your needs from various loans - Business Loan, Overdraft
Facility and Loan on Credit Card.
10.Do I need to visit our Bank to avail of banking services?
With our Bank SmartHub Vyapar, you get easy access to banking services like
Business Credit Card and Fixed Deposit on the app itself.
11.How will our Bank SmartHub Vyapar services help me in growing my business?
our Bank SmartHub Vyapar has various features mentioned below which will help you
grow your business:
* Create offers for your customers and share via
messaging apps and social media to increase footfalls and sales
* Advertise your business digitally to your customers
* Understand your customer's buying behaviour
* Empower your staff to accept payments in your absence
by creating login for your staff
* Make vendor/ distributor/ GST/ utility bill payments
powered by our Bank Business Credit Card and get credit period of up to 50 days
12.How can I use our Bank SmartHub Vyapar to manage my business efficiently?
our Bank SmartHub Vyapar offers several services that will help you manage your
store operations easily and efficiently – one view dashboard, customer insights,
view and download settlement and business reports, Pay Later, Cash Register, 24X7
support, etc.
FAQs
What is the use of PayZapp?
our Bank’s PayZapp is an online payment app, that doubles as a digital wallet and a
virtual card. You can use PayZapp to pay for online and offline services like
paying bills, sending money, shopping online, etc., without having to use your bank
account or cards.

Is PayZapp only for our Bank Customers?

No, it is not. Both, our Bank and non-our Bank customers can access the PayZapp
app.

What is the transaction limit on PayZapp?

The PayZapp transactions limits are ₹10,000 per month for non-KYC Accounts and
₹200,00 per month for KYC-compliant customers.
Is PayZapp safe to use?
Yes, PayZapp is incredibly safe. PayZapp logins are secured with PIN and
biometrics. Plus, all transactions are password-protected and must be authenticated
by the user to prevent unauthorised usage.
About NetSafe
One of the biggest concerns when you shop online is exposing your Credit Card or
Debit Card information on merchant websites.
NetSafe addresses that worry by generating a unique virtual card number for your
Credit or Debit Card that you can use instead of your real numbers for online
transactions.
Features Of NetSafe
NetSafe keeps your real card information safe by allowing you to use a virtual card
number on merchant web sites. You can even create a unique password for additional
protection.
To protect against phising attacks, create a unique personal message that must
confirm during every transaction.
NetSafe is currently free for all our Bank Visa and Mastercard Credit Card and
Debit Card users.
About Verified by Visa / MasterCard SecureCode
The OTP Checkout facility provides a higher level of protection for your online
transactions with two-factor authentication. What this means is that when you use
your our Bank Credit or Debit Card for an online transaction, a one-time password
is sent to your registered mobile number. You must enter this password on the
merchant site to complete the transaction. This ensures that your Credit or Debit
Card cannot be misused.
Features of Verified by Visa / MasterCard SecureCode
Verified By Visa/ MasterCard SecureCode provides an added layer of protection when
you shop online by asking you to confirm every transaction with a password you have
created.
You can also avoid becoming a victim of phising attacks by creating a unique
personal message that you must confirm during every transaction.
Verified By Visa and MasterCard SecureCode are currently free services for all our
Bank Visa and Mastercard credit and debit card customers.
About Verified by Visa / MasterCard SecureCode

The OTP Checkout facility provides a higher level of protection for your online
transactions with two-factor authentication. What this means is that when you use
your our Bank Credit or Debit Card for an online transaction, a one-time password
is sent to your registered mobile number. You must enter this password on the
merchant site to complete the transaction. This ensures that your Credit or Debit
Card cannot be misused.
Features of Verified by Visa / MasterCard SecureCode

The great thing about OTP checkout is that you don’t have to remember any
passwords. Every time you shop online, a new random and unique OTP is sent to your
mobile phone for confirmation.
Every OTP is valid for a single transaction and a very short duration, minimising
risk of misuse. OTP Checkout is a free service and ensures you that your online
shopping is a safer experience.
FAQs
* What is the use of PayZapp?
our Bank’s PayZapp is an online payment app, that doubles as a digital wallet and a
virtual card. You can use PayZapp to pay for online and offline services like
paying bills, sending money, shopping online, etc., without having to use your bank
account or cards.
* Is PayZapp only for our Bank Customers?
No, it is not. Both, our Bank and non-our Bank customers can access the PayZapp
app.
* What is the transaction limit on PayZapp?
The PayZapp transactions limits are ₹10,000 per month for non-KYC Accounts and
₹200,00 per month for KYC-compliant customers.
* Is PayZapp safe to use?
Yes, PayZapp is incredibly safe. PayZapp logins are secured with PIN and
biometrics. Plus, all transactions are password-protected and must be authenticated
by the user to prevent unauthorised usage.